Issue the user two smartcards, one for daily use, one that can be used to create a new daily use smartcard. Tell the user to keep the backup smartcard in a safe place.
Yes, someone will inevitably lose both. You just need to ensure that that is a rare event, and that there are alternative systems in place (i.e. that losing access to one system does not prevent people from living their lives).
Yes, someone will inevitably lose both. You just need to ensure that that is a rare event, and that there are alternative systems in place (i.e. that losing access to one system does not prevent people from living their lives).