When I lost my phone with a physical sim, I had to go to the operator' office and answer a quiz about which three different numbers I've called and received and when exactly did that happened. Apparently I've failed and they demanded that I would bring a phone box with IMEI sticker on it (yes, the one which all "influencers" tell us we don't need to keep) and then they restored me my sim card. I imagine the same process would be required for the lost esim.
What country was this in? Quizzes and phone boxes sound.. odd. I've never heard of anything more complicated than rolling into your telco's nearest kiosk with your ID and them just provisioning a new one for you.
Lost phone was in Ukraine. We have both prepaid sim-cards and contract sim-cards. Contract would work like you've describes. Prepaid is more complicated.
So there's no CS path for lost/stolen/destroyed phones? That doesn't make sense, I'm sure it's a very frequent occurrence.