This is less of a problem for me these days.
My phone is my primary source of audio content, so it’s easy to remember. I also have a smart / keypad lock, a digital wallet, a physical wallet that magnetically connects to my phone case, and my keys / phone have UWB trackers on them.
The world may be getting shittier, but we have top scientists and engineers working on the “I forgot my keys / wallet” problem.
I still carry or hide a key in case a battery dies or something glitches out.