I haven't had a suspended account yet but if google really doesn't let you copy your data under any circumstance, they will have even more fun with the data protection agencies.
I configured NeoMutt to grab the e-mais (the only thing I had on it) and that's it.
If google gave a crap they would put a phone number to that email so you can talk to a human and resolve any issue. From numerous conversations in HN and iRL, everyone who has a spat with the G-people is royally screwed. A true hostage.
What you suggest would be great for the user. But why would google care for that? You broke their rules, you have to pay. Here, have some pain.
I don't blame them for having rules. I blaim the G-users for accepting them and giving google all this power, that is often (and stupidly) mis/ab-used.
On the other hand, I have to admit that for less technical folks, having all-in-one is a life saver. Vast majority of the member of this forum though do not belong to that group.
Do you know how insanely hard that would be to staff and manage such an operations for a global corporation? It had a 1 BILLION MAU back in 2015.
Apparently Google can disrupt the service, and leave you hanging.
Controls (block bank card, suspend Google account) are enforced with with a specific impact in mind and a specific mitigating factors.
I am not saying that "banks care". I am saying that banks give .... while Google doesn't.