Allow a secondary ID that will only have the ability to request access to my account. If I am unable to grant them access, it is automatically allowed after a configurable time has passed. Not sure this is completely thought through, but the idea is to give this secondary ID to a family member or someone with Power of Attorney so they can access my account in the event I am unable. The access might be restricted in certain ways as well. For example, I might have the option to mark only certain records for which they will get access.