This thread kind of comes and goes and I only half pay attention but somebody a few thousand or so posts ago (seems like doesn't it?) mentioned the idea of VSL being the insurer.
I wonder if it is possible to have the option of paying VSL say 10 to 15% more on whatever product you buy then if something happens to your key, or whatever, you get one, and only one, reactivation of the licenses free of charge (except the cost of the dongle). If you chose not to purchase the insurance when you first purchased the product, then you're screwed. If you loose the key again after the reactivation, you're screwed.
Perhaps, if after loosing the key the first time and having your licenses reactivated, you wish to repurchase the insurance, VSL could charge a percentage of all of your previously purchased products at the VSL Store price of those products. The more you have the more you would pay which is only fitting. Perhaps something like 20%? Loose the key yet again... you pay 30% for the insurance, Loose it again... Well, I mean seriously, if you loose the key again after 3 times then you really are a complete scatter brained idiot and you have other issues to sort out. But if that's the case then you pay more because scatter brained idiots are a higher risk. Right?
The insurance can only be purchased at the time of sale and at the time of reactivation in the event of a lost or stolen key. So you can't loose your key, then buy the insurance after the fact.
This way, the risk and pain would be spread out more and, depending on your circumstances, you can choose whether to have piece of mind or not. If you travel a lot with the dongle then it would behoove you to purchase the insurance. If you don't travel and you don't think it's necessary then don't worry about it.
How 3rd party vendors and Elicensor fits into all of this, I don't know but... at least it's a way to spread the risk and pain.