With these things, there is someone you can talk to that controls the service. If you lose access to your online bank account, then you can call up your bank and have them manually reset it. Since they have alternate trust channels for alternate ways of doing things, (you can check your balance and make transfers by phone in most cases) you can just reuse them to regain access. (God help you if you lose your Gmail account, though)

Apple's devices are fully in your control after you buy them. If you lose access to a perfectly working device then it's your own damn fault. It's your own damn fault in the other cases too, it's just that the nature of the services provided mean you can go also go through a person.

But if you buy a safe, lock it, and subsequently lose all normal access to it, don't bitch to me when you have to ruin it to get back in. It's just doing its job, and you failed to do yours. Suck it up, buy a new safe, and be more careful next time.