Interestingly the problem of people excluded from the banking system has been addressed by statutory regulation in the UK: https://www.gov.uk/government/collections/basic-bank-account... ; see also discussion at https://publications.parliament.uk/pa/ld201617/ldselect/ldfi... which covers the question of people with inadequate ID.

Getting your email account wrongly banned is an injustice, whether trivial or costly, and whether or not you have alternative arrangements. That's why people are (generally) rightly cross that it's happening. That feeds into wider questions of "why is justice so expensive" and "how does a local justice system address the bad behavior of a multinational". These questions tend to get resolved incredibly slowly.