At some point, users are likely to either lose their mobile device, purchase a new one, or delete the wallet app.
For them to recover their wallet again, they would need the following:
The sign-in details of the cloud account that contains the backup key
The PIN they created when setting up the wallet, to decrypt the cloud key
Access to their signing device
They can use their PIN to unlock the cloud key and, with the help of the signing device, recover their wallet. If the user loses any 1 of these 3 things, they will not be able to recover their wallet again.