Your fear is rational. It's happened to other people. I would suggest going to a paid provider like Fastmail and checking their terms of service. I don't know of any protections that exist by law at the moment. My horror story: I have a mentally ill relative who only logged in every 6 months. He got treatment and wanted to resume using his email account. Guess what? Google thought his activity was "suspicious" and pe…
The fact Google doesn't have a way for people to talk to a human during a crisis is moronic. That's why I've moved off Google with as much stuff as possible.
I don't think I'd have the patience to deal with something like this and rely on automated systems to deal with my problems.