This makes me think that the real problem here is vendor lock in. If users didn't feel such a reluctance to switch between services then there wouldn't be such an incentive to bloat existing services rather than just building it somewhere else.
My small company has stayed with our initial bank even though we were quite unhappy with it a couple of times. They didn’t rock the boat too hard, so we‘ve been with them for 8 years already - even though I was _this_ close to quitting sometimes.