All C-14 come with two fobs and always have. Gen 1 (08, 09) bikes came with two full- function fobs. Gen 2 (2010 and later) come with one full- function fob and one 'credit card' fob. The credit card fob will only work if held against the ignition switch housing but it does fulfill the role of a second fob in the event the first is lost or damaged. As you correctly point out, having one fob is risky because should that fob get lost or damaged, the only to correct the situation is to purchase a new KiPass ECU; that comes with two fobs but it is pretty pricey at something like $700. So the moral of the story is that everyone who owns a C-14 should maintain two working fobs even if the bike only came with one (purchased used)- that person should purchase another and have the bike programmed to recognize that new fob.
Your new bike came with two fobs too but the dealer may have lost one, or perhaps it is in the bike somewhere and the dealer does not know it. In the event the second fob really is lost, the dealer should order and program another one to go with your bike and unless it was specifically stated that the bike was sold with only one fob, they should provide that fob at no cost to you IMO.
Brian
When I bought the 08 C14 I got two Fobs. I thought it changed to one Fob and something the size of a credit card. I only got one yesterday and dealer did not know of the smaller credit card sized one. I know this is a disaster waiting to happen to me. Anyone got any information I could use?