Account Recovery should be the main authentication flow!

I’ve been thinking about “what’s next” in the world of wide-scale consumer authentication systems.
We hear a loud proclamations for death to passwords, when what we all really want is just death to intrusive, poorly designed, stop-gap logon systems.
So how should “better” be defined in this space?
Here’s one proposal that might change our expectations for the “who are you” experience: Treat every user authentication and identification event as an account recovery.
We often see asymmetric authentication designs: the front/main channel is smooth-ish and a well designed experience; careful design is used to avoid antagonizing the user; we get long periods between logons that are protected (we assume) by aggressive anti-fraud and anti-hacker detection and response systems in the background.
But when it comes to account recovery, we as users get the full range of inconvenient, painful, probably less secure options: secret questions; one-time links by email; SMS clues; code sheets and so on.
Why can’t the authentication providers give us a few strong multi-factor, physical authentication credentials (devices, tokens or cards) when they enrol us?
Then design the system to use those authentication credentials for any logon event – no ‘weaker’ flows that subvert the strength of the primary flow.
The consumer would be instructed to lock one of those physical credentials in a safe or a bank safe deposit box – to be retrieved in case of emergency to re-establish connection to their online accounts. But the flow would be basically identical to the main flow – so no user re-training required.
Given the anecdotes of high account recovery costs, wouldn’t it be cost effective to establish such a system?
Too simple? Devil’s in the details I suppose.
And the capabilities gap between professional authentication providers and closed, proprietary security systems.

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