Which is why you split the difference. Own your own domain, and host at a reputable, reliable mail service provider like Fastmail. If you get taken down by a TOS violation, you didn’t lose your email address, just the contents of your inbox — which you hopefully have backed up, at least in your local mail client. Update your MX records to a new mail provider, and you haven’t lost what’s essentially your digital identity at many SaaS services.

Everyone in my family has their own domain. The instructions for renewing a domain, a list of reputable mail service providers, and instructions for pointing MX records at a new service provider, are not very complicated for somebody that can work a computer at a basic level of productivity. Many email service providers will even run nameservers on your behalf so you don’t even have to mess with individual DNS records. You can fit that in about one formatted page of instructions to include in your online contingency plan you share with love one(s).