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> which is arguably worse because not only can you not access your phone backups but your email, calendar, drive, etc. is gone too

Some people use iCloud for email, calendar and storage so for them I imagine losing access to Apple ID would be just as bad.



Yeah, and to stress the point: this is not "can't send vacation pictures to my grandma" bad, this is "might lose my company/my job and my house" bad, as everything else in life treats one's email (and increasingly, app 2FA) as infallible backup.




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