You are right though, it can be crippling, and this thinking part of your personal (and business) risk profile. Ideally your email is at least tied to a domain name you separately own. That way, if your Google/MSFT/Apple/whatever account gets blocked, you can switch over the email to another provider and still get access.
* edit to add: I don't know if this is more a Google thing than other companies, I was just heavily invested in the Google ecosystem and have researched these issues specifically with Google, leading to me ensuring I'm not as reliant on them as I used to be. I figure now I have about a full days worth of hassle if all my google stuff gets blocked, but otherwise I'm recoverable.