You could get creative with a premium account “A” where you can designate another person/account “B”(can be free account) with emergency access after a waiting period.
When B requests access it’ll send an email where A can approve/deny access immediately; or if you’re completely locked out, B will be granted access after the waiting period that you can set passes.
B can either be another person you trust, or it could just be a written backup that can be locked somewhere safe but not accessed on a daily basis.
If you want, after designation you can cancel premium and the emergency access will still be active, you just cannot add/edit who has access.