This is a great reason to not put all of your financial eggs in one basket. You hear stories around here all of the time about people's businesses being ruined

This is a great reason to not put all of your financial eggs in one basket. You hear stories around here all of the time about people's businesses being ruined by Google's automated abuse systems and lack of customer support. There might only be one Google, but there are a lot of banks. They might all have similar policies, but at least it is less likely they will all try to screw you over at the same time. If you have rainy-day savings for at least six months of expenses (as everyone is advised to do), there is no reason you cannot split those up.