I share your frustration!
Recently I have also become entangled in the very similar situation of trying to support distant cams belonging to different accounts.
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Even knowing the distant login/pwd it’s a royal PITA to keep switching app logins, especially with 2FA.
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Wyze default sharing shares too much (can turn off camera without letting anyone else know) and too little (no SD card viewing) at the very same time.
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It’s also a royal PITA to keep pestering the innocent civilian at the other end, walking through settings tweaks, updates, etc.
My current brute force and expensive, yet still unsatisfactory work-around is to get their login/pwd and leave the account setup and logged in on a spare device for quick access when issues arise.
We actually use dummy Wyze accounts as these owner accounts so we can all login and admin or retrieve SD card data in a crisis. Then everyone does daily viewing on personal accounts that have been shared to, and promises not to turn off the cams accidentally.
Unfortunately, none of this fixes your current situation any better than your initial plan.
But having more control over permissions would sure ease the need for completely switching accounts. You can vote for that here: