> 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,

> 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. In some countries (France?) requires that online purchased products are transferable like in the real world. Mostly this is used for game resale, but it should enable you/the company to transfer purchases to a new account. "You banned me, but give my wife the games I bought"