No, it isn't true of any other provider, that's the whole point. If my HBO Max account detects a fraudulent charge, my completely unrelated
email provider doesn't then
irreversibly disable my email account and tell me to just set up a new one.
Yes, if my non-Apple email service "locks me out", then the same would happen as here. The point however is that:
1. Usually this would only happen if something weird specifically happens on that account. For example, if I am paying for an email provider and my card is declined. Notice that with the Apple case, a problem in something completely unrelated to email can cause this (including apparently the card being flagged for a fraudulent charge on some unrelated service).
2. Even then, usually the next step is I am told that that happened. Notice that in the Apple case they won't even tell you what the situation is to give you a chance to remedy it.
3. Finally, you then almost always have a way to remedy the problem. For example, by giving them a new credit card. Notice in the Apple case they insist that the account is disabled forever.
Do you see the difference? It's not in the "what happens if your email stops working" part, it's in the "what leads to your email not working anymore" and "how do you fix your email" parts.