I’m curious if this has actually happened to someone to great dramatic effect
Personally, I’ve had episodes where I was tripping and lost access to the knowledge of passcode but luckily my sort of muscle memory saved the day but its not always a sure thing which was scary at the time
Probably not. It might be a pain in the ass but realistically you’ll be able to work with banks/utilities/work to get access back. As long as you have access to your email as well you can likely recover your accounts. Files are likely the biggest risk, remember to keep regular backups and even this can be recovered.