If you're at all legit, you don't have to worry about being locked out.
Everyone has to worry about being downranked to oblivion, which is the new normal on most SM sites.
Complete ignorance of the people who arbitrarily get flagged by algorithms to no fault of their own or get on the bad side of someone at these companies who have a grudge.
That's not correct, just on HN you can frequently see articles about people getting locked out of Google, Paypal, Facebook, etc. with no explanation given. I've been banned for suspicious activity on a social media site on an account I hadn't used in years, probably because someone was trying to steal the username.
A year is enough time to kill a business.
This is simply false. We were locked out of Meta Ads Manager for no apparent reason. When we contacted Meta customer support—setting aside the casual racism I faced for not being a native speaker—all they could offer was, "Oops, that shouldn't have happened; we'll refresh your account." As a result, we lost approximately $5k in business because we couldn't reach our audience at its peak.