It is a bit as with insurance. You pay insurance in case something happens. The insurance model is based on the assumption that a lot of people will be paying for it without getting the insurance back, otherwise it does not make financial sense.

The cheapest paid workspace account is cheap enough that it probably costs less than processing a single support ticket. Remember, when you loose access you are probably looking at multiple touch points and multiple people on their side to get you back. You wouldn't want any single person to be able to just change whatever they want?

So if they allowed it, people would just pay for the privilege once to get the problem resolved and then downgrade themselves back after one month.

The issue here is that the ratio of free accounts to paid accounts is so high that if any support was allowed for unpaid accounts it would absolutely deluge the system and paid accounts would have to pay a lot more to cover the cost of support for unpaid accounts.

But I do think they could provide a paid support ticket where you can pay an amount that would cover their costs (and of course then some) for a single support request.

The issue with this is that somebody could do this to "recover" account that does not belong to them. Paradoxically, there is some extra security in not allowing any social hacking by just not allowing any manual work on the account.