They are very similar. Both situations leave you in a situation where you are unable to respond quickly enough and can cause massive financial damage. Just because the situations are not identical does not mean they are not similar and that rules from one can't be moved over to the other.

I don't think google should be able to simply lock people out of their accounts and data without any notice for them to take their data out. I was hit by this personally when google docs locked on of the documents I was working on for school at a time I critically needed it. Their given reason was simply "tos violations" despite nothing in the document being a violation and they unlocked the document 2 days later.