Like we are rightly concerned about Google suspending accounts without recourse, but the rate at which they do that is still orders of magnitude lower than the personal fiefdoms known as Mastodon instances.
I have friends on Mastodon for some 5+ years and this isn't really an issue. If it actually keeps happening than either the instances you're picking are run by teenagers, or you're actually engaging in some sort of a behavior that perhaps warrants a ban?
Personally, am running my own instance so this is not a concern but the larger ones with good reputation tend to be mature about this. I'd recommend joining a well established instance but avoid the absolutely huge ones like mastodon.social
I don't think most people feel they "chose" their email at all.