Agree your point. But I think Microsoft doesn’t belong to this group. I never read an auto ban story from Microsoft. And my experience is that you can talk to a human customer service from Microsoft.
There was just an article on HN 2 days ago[1], with duplicates, about Microsoft opaquely locking Minecraft users out of their accounts, with little in the way of acceptable recourse (give Microsoft your phone number and pray).
I signed up for an email address once, then they locked my account requiring a phone number because of "suspicious activity", where obviously the only suspicious activity was that they didn't have my phone number.
Don't run to another big corp for safety. Go small maybe medium.