this post was submitted on 14 Feb 2024
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The person who broke their phone screen wasn't mad about not being able to access the data on it in this case, but rather that they couldn't receive a text message as the second factor to log in to their bank. Having a backup wouldn't have mattered, they couldn't receive the text. Like it or not, having two-factor authentication on accounts is a necessity with the phishing and malware problems out there. Having multiple (secure) factors attached to your account is the best protection against getting locked out.
The breaking of a phone and loss of the data on it can still be protected against by having backups in other locations or offline, like you have.