Lost Wallet Access Depends on Whether Keys or App Password Are Missing

The practical distinction here is less about wallet brands than about recovery architecture: an app password is a local access layer, while lost private keys sit at the ownership layer, and only the latter is usually irreversible. That matters most for self-custody holders who assumed a social-login or guardian setup was a safety net without configuring it in advance. The open question is whether recovery-aware wallet design becomes a baseline expectation, or remains an optional feature users only notice after they need it.