If you have stored your seed securely (in a safe, preferably engraved on stainless steel), then no problem, you can re-generate your private key on a new wallet from it.

If you haven't written down your seed before generating your private key and also lost your private key, your money is lost. Thank you for this sacrifice for the common good, but you will want to educate yourself better next time.

Yes, if only one of a 2 of 3 account was lost. A person having a single seed phrase on a single cold wallet would lose coins and would probably benefit from using a service to educate them.