I've never heard a rant about people being banned, but i can think of a half dozen people who have lost their icloud accounts due to the combo of inexplicably not remembering or writing down their passwords and selling or losing a phone.

How is that different from losing access to, say, your own computer by the same route?

That's entirely different from another entity denying you access to your data.

People have investments in things like itunes, apps, etc.

are you trying to say if you forget your password it is the same as you getting blocked for no reason?

That's the opposite than ban by Apple. And also for this people can go to an apple store or call support right? unless they enable the most nuclear e2e option.

Can't of happened then if you don't remember a story like it...

I asked a question) Did I miss a story like that?