I do think there is substantial room for a kind of "major provider reset" service, similar (at least) to what banks do physically. Lost your account access? You need to GO to a place, be on video, have an ID check done, multiple forms of whatever identification. It costs to do this kind of thing, and as a last resort I'm pretty sure most people would want to pay it, instead of losing account access.
Your argument seems to be "It would be massively inconvenient to lose access to these things so instead I will not have these things."
I really need to transition more things off of the Google ecosystem.
If you loose access to the account for that 'thing', sure you're screwed with regards to that 'thing'. But it's just one of the eggs in your basket.
If you do _everything_ through Google, then Google is your basket full of eggs and if you don't play ball with the basket, it will take away all your eggs.
Pleco is a necessity for me, but it's not tied to the Google account. It has its own registration system.
Same goes for WeChat.
The Android Kindle app isn't really a necessity, but it's desirable. It, too, has its own registration system. It's certainly tied to my Amazon account, but not to my Google account.
I do the same actually and don't use apps or services that will only allow you to "Login with Facebook", "Login with Google" etc.
Do not use Google! It's as simple as that. I have never had a Gmail account until an Android device sort of forced it on me, because I definitely didn't want to link things up to my real email address, so I just signed up for the whole thing. Do I ever use that email address? Definitely not! Why would I?
What happens if I ever loose access to that account? I have to register a new one for my Android device(s). Boohoo.
Some of this obviously requires 'abstinence' and not having the same 'cool toys' as other people. I.e. if I buy lots of fancy apps that I actually rely on for my daily life, then loosing this Google Account will hurt. No longer have a PC and do everything including your banking, gaming etc. with the tablet (i.e. things you really need or things you paid a lot of money for)? Well, welcome to the walled garden where Google practically owns you.