That's the big problem with these massive tech companies. They want to suck more and more of your life into their ecosystems, but they don't want to take on the

That's the big problem with these massive tech companies. They want to suck more and more of your life into their ecosystems, but they don't want to take on the responsibility that comes with it. When losing your account just meant not being able to look at a few emails or social media their attitude was (almost) acceptable, but when losing access to your account could mean not being able to pay for things (apple pay, google pay), not being able to access stuff you've paid for (any digital content purchases through the account), possibly not even being able to access your phone; then it becomes a more serious responsibility and just suspending an account for arbitrary reasons is no longer acceptable. Unfortunately, the tech companies don't seem to have got the message and still regularly ruin people's lives by banning accounts for no discernible reason and giving no recourse to getting them back. I think if they are going to continue on the course they are on there needs to be some sort of campaign to force them to take more responsibility and to give people a proper channel to get bans investigated. Enforced by some sort of ombudsman or something. Another option could be that if an account is banned for ToS violations the account holder can still log in and access "essential" services such as payments, plus have read-only access to stuff like emails and photos so they can still rescue their lives. I would say a mix of both will be essential.