I'm guaranteed it's not consumer error, since the recovery phrase was present in two different spots: backed up within a file on S3, and printed on the bit of paper. This text clarifies BIP39, the standard that defines how seed phrases are created, and summarizes how BIP32 and BIP44 standards https://naturalbookmarks.com/story19001412/detailed-notes-on-copyright-wallet-seed-phrase-out-of-bip39