> you're cooked.

I've lost 2FA codes. It's complicated but if you have a financial relationship with the vendor you're going to be able to get everything sorted out. I imagine as this happens more there will be common internal policies which aid customers in this situation.

You have to weigh the amount of potential hassle against the value of potential losses. Why you would have $100,000 of value stored somewhere and only secured by a loose-lipped third party app is beyond me.