First, with so much importance placed on an Apple/iCloud account in our current era it's not good that they can be shutdown so trivially. Someone can be shut out from using Messages, Apple Wallet, Digital Identification (depending on where they live) and all their subscriptions and media purchases without any recourse, in an instant. It's not hard to imagine someone being put into a pretty bad situation as a result of this with just a little bad luck and bad timing. It's easy to point out that you shouldn't be overly reliant on these technologies but I think it's more important that there be ways to safe guard people from this scenario. Apple should do more to handle these scenarios given the importance of an account now.
Second, there are other recent events that point out the failure modes and gaps that Apple (and Google?) need to address. There apparently is no way to cleanly divide purchases in a Divorce or separation, even if the person was fleeing an abusive situation. There's also no way to leave a "family" account even as an adult or how to assign children to multiple families. Again we can trot out the easy "Just don't use these things, use FOSS, Nextcloud, etc..." but I think Apple should do more to address these types of scenarios regardless of what people choose to use.