Another scenario which would have been a better example for me to use: If a user forgets or loses their passphrase, but they have the private key to the address stored somewhere else, they can import it to a bitcoin wallet.
I'm sidetracking from thread, but just so there's no confusion: The private key to the bitcoin address I'm referring to would have been derived from the passphrase/master-seed. Having access to it would give options if something were to happen.
I'm aware there's little likelihood of the above scenario or a scenario where one couldn't access a compatible deterministic bitcoin wallet. However, I've read contradicting comments that they're not necessarily compatible with each other even if they are BIP32 based like counterwallet.
Anybody feel free to pitch in and educate me on this so there's no misunderstanding. I'm here to learn!