As I wrote, THIS WOULD NOT BE THE DEFAULT. It is quite possible to pre nominate the specific groups that can allow unlocking of an individual account. And that's all it is, account unlock when they use a new device, or putting the account into PW only mode for a period.
If the PW is forgotten you require a higher level of identity verification, like a bank/USPS/DMV process.
Facebook already has this enabled, you can have a friend/family member (or two of them!) validate your account.
If you're determined not to find solutions then you won't progress.