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The downside risk you’re protecting against isn’t “billionaire buys company and steals your account” but is instead the much more general, “I lose access to my account,” which you will agree is a much more likely thing to happen, particularly given that it has happened on Twitter, so it’s not exactly speculative.

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Exactly, when your business relies entirely on another business, you are taking a huge risk that the other businesses blocks you on a whim. There could be many reason such as randomly being flagged by some "spam" algorithms, or because add a feature that competes with your business, or they just don't like you.

That's true for anything that relies on Twitter, Facebook, Amazon, Google, Microsoft, PayPal, ...

You should always have a plan: what's the risk that X company terminates our account, what would the consequences be, and what do we do in that case.

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