> Can Apple/Google/Microsoft ever block/ban my account, preventing me from logging into my bank, etc If you don't accept their 10,000 word ever-changing terms

> Can Apple/Google/Microsoft ever block/ban my account, preventing me from logging into my bank, etc If you don't accept their 10,000 word ever-changing terms of use, and if don't let them check for the marks on your forehead or right hand, then yes, you won't be able to buy or sell.