The solution to that is you purchase a backup key and enroll both when presented with the QR image for new OTP links, or add a secondary FIDO key on some accounts. Then you store the other one in a fireproof box.

Or you use a cryptographic key and print it out using shard tool. The shard tool lets you specify how many splits and how many requires for a tebuild. It prints out the shards and you distribute to safe places or people. They are useless by themselves but if you scan in the requires amount of pieces the tool will rebuild your cryptographic key