I'm under the assumption that most people have never lost their wallet. I've asked several people how you're supposed to replace all of your cards if you lose your wallet and so far nobody knows the answer. How do you get a replacement driver's license? Without the ID that was in your wallet, you can't really prove who you are. I can't get a clear answer out of anyone because losing your wallet is something that most people never need to deal with.
I really want you to test this. Ask your wife, kids, friends, relatives how to get a replacement driver's license. If they don't know, then they've never lost their wallet.
About the locking the keys in your car thing, I've only seen that happen 1 time. My mom locked her keys in the car and my school principal helped her open the door with a coat hangar. One thing worth mentioning is that she immediately noticed that her keys were in the car. It's not like she left the keys in car for 5 hours then came back to find her keys dead still inside the car. If you forget your baby inside a car, that should be at the most for a few minutes. Step outside the car, hey wait a second didn't I have a baby? Go back, grab the baby, go inside the church.