Locked out for 30 minutes

I often need to switch login accounts. And often, the keycap lock is on, or my client changed his password and only tells me too late.  I or they get locked out for 30 and need to wait to try again.  There needs to be something better than locking out the client for 30 minutes. 

If you forgot your password, you can't request an email during this lockout time.  Also not user friendly, especially if you are in a rush to start a meeting.   Maybe try a secret word if instead of a lockout.  Thanks.