No matter whether the OP is in the right or not, it's worth considering Apple or Google accounts as a Single Point of Failure in your personal disaster recovery plan. There have been plenty of stories about Google capriciously disabling accounts with no redress possible, so this goes well beyond Apple.
What are the implications of losing your Apple account?
- loss of apps, licensed content - inability to perform software upgrades, essentially turning your computers and devices into paperweights - loss of sync for things like contacts, keychain
In the case of Google, I'd lose my Voice account that is the one registered with banks, credit cards and the like (I try to minimize my exposure to Google and tried to use Twilio instead, even paying for it it is very unreliable).