If better security comes at the cost of some users being permanently being locked out because they can't get past a second layer to reset their password then so be it. It's the users responsibility to keep track of their account passwords. If you rarely use some accounts write the passwords down in a notebook and keep it in a safe place.But it is still a balance between security and convenience — there will be “winners” and “losers”.
Keeping them written down in a digital format would be less secure as you could be hacked. Written down on paper is lower risk unless someone breaks into your home to steal your passwords which is rather unlikely.
Apple could have a system in place where you could reset the password with photo ID in an Apple Store if you can't get past the stronger security.