decades ago in germany a court decided that people had a right to phone service and it could not be cut even without payment because that would cause an undue restriction to be able to function. (this was pre-internet, so i can't find a reference). there is a more recent court decision that states that service may only be cut if the lapse in payment is sufficiently high,
i believe similarly in the US you can't just take away someones car because without it they might not be able to get to work and probably would never be able to pay for their debt.
likewise having an email address is becoming a necessity in life and therefore closing an email account would make it difficult to function in todays society.
the same goes for having a bank account.
all these things should have legal protection.