I don't really see that anywhere; I think you're jumping to conclusions.

Every system will need to have some escape hatches, whether that's a governmental bureaucratic process or a Google account recovery process. Because no matter how well you design a system some folks are going to fall outside of it because the world is complex and the number of possible situations are too many to capture.

"Yes, but it's only 1%" – yes, but it's 1% for system A, and a different 1% for system B, etc. and it all adds up.

All of this is why things like appeals exist in many processes, and why we have judges in addition to mountains of laws. None of this is perfect by any means and there's lots that can be improved, but at least there's the recognition that The System isn't perfect – even if it's more symbolic than anything else at times.

If I lose access to my HN account then that might be annoying, but fundamentally it's not really a big deal, at least not for me. But some accounts/services are connected to all sorts of things and much more important than some HN account and connect to "real life" in much more complex and impactful ways. You can't on one hand have a service wanting to become central in people's lives but on the other hand also just shrug at the edge cases and pretend it's not your responsibility when people get screwed over.