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
This is why you should keep backups, which, for me, includes physical printouts of access data stored in a safe location. That’s also helpful if something should happen to you.