I have five people in my household. Only one of them, not myself, doesn’t regularly loose important stuff. We are super adept at key replacement, Drivers License replacement, passport replacement, debit card replacement, etc. I travel with two phones, two laptops, and two kindles.

At this point if I haven’t lost my debit card in six months, I will just report it lost to change the numbers.

I have worked at financial institutions; while they are not infallible, they are all better at this stuff than my family, and usually work in teams for important stuff.