When people get locked out of their Google/other accounts, Google/other usually doesn't have a contractual obligation to have a good reason for disabling the account (and thus money/compensation is not owed or overdue in such cases).
Maybe my retirement couple numbers were too forgiving. Change the 7 above to 8. Now I regret using retirement as an example. Imagine a 9 figure net worth business being unable to pay back a 9 - (13-5) = 1 figure B2B bill. Make it 2 figures for margin of error.