There was this PC FMV game back in the early 90’s where there’s this woman doing all kinds of things that gets herself killed and all you do is flip the right switches at the right time and enter 3 digit codes.
One of the earlier games I had on a CD-ROM. Back then it wasn’t a disc tray. You eject an entire disc jewelcase-like thing and put your cd inside the case and shove it back in like a floppy disk.
You could get creative with a premium account “A” where you can designate another person/account “B”(can be free account) with emergency access after a waiting period.
When B requests access it’ll send an email where A can approve/deny access immediately; or if you’re completely locked out, B will be granted access after the waiting period that you can set passes.
B can either be another person you trust, or it could just be a written backup that can be locked somewhere safe but not accessed on a daily basis.
If you want, after designation you can cancel premium and the emergency access will still be active, you just cannot add/edit who has access.