This is a serious problem. I think the only durable solution is legislation that requires these companies to provide access to your data, or at least a way to export or transfer it, even after an account ban. Otherwise, if they delete your account for any reason, even for a legitimate policy violation, they can effectively cut you off from information you have built up and stored over years. In Apple’s case, an account lock can even leave a device unusable.
I have read several blog posts from people describing how frustrating it is to have an account locked. Because Google, like many large companies, provides little to no effective support, the only thing that seemed to work was getting a post to trend on Hacker News so that someone inside Google noticed and intervened to resolve it.