> I live in fear that someday the Algorithm will decide I am naughty and lock me out of my digital life.

That fear became too much for me after getting locked out twice of my main Gmail account (which has been my 'life' for 15 years) last November. I was able to recover it, but some have not been able to.

Now I use Fastmail, and am migrating all Google, Amazon, SaaS etc. service I can to self-hosting. The transition is taking months in my spare time, and there's some expense, but I feel the 'free' party is truly over now.