This is a heavy accusation and I think the burden is heavily on the accuser to provide clear evidence that lack of payment for anything somehow locks you out of your Apple account. These comments and posts also seem to be conflating different accounts, like Apple ID, iCloud, and the Apple Card Account.
I’m in no way trying to defend Apple, this just seems like an incredibly user hostile policy, and also one that doesn’t exactly follow sound business logic.
If this is true, can you point to this policy? Can you share the “unusual confluence of events”?