Feedback on private, secure cloud storage / backup given to Least Authority

The convenience (can actually be used) and security balance is the real magic in this space. For example, i am at this moment fairly afraid that i've forgotten my SpiderOak passphrase and lost the backup piece of paper. On my ToDo list for months has been check if i can still access my data and then re-up the subscription. I own my failings, but i suspect other humans share them. Perhaps tiers of data security in one service could be an answer? One tier, the lowest, can be recovered with a password reset to e-mail, so the private key actually stored somewhere with you. Another tier, in the middle, could allow a shorter passphrase that is used frequently (and so actually remembered) with a backup key that is stored locally, encouraged to be printed, and even (for the many of us who are printer free) temporarily transmitted securely to your facilities and printed and sent by US mail to the user. The final tier is for the highest security and people who know they can hold secrets.