functioning service something like password reset is necessary.
It is not necessary if you don't lose your password, which I don't ever, because I use a password manager. It's also not necessary if you have administrative access to the server.
not even trying to put yourself into other shoes
Brother we have the opposite problem. You are not putting yourself in my shoes, or other people like me.
I am not suggesting everyone should get rid of it, I'm asking why it can't be optional and easily disabled...