Comment by londons_explore

Indeed - and they have made a little headway here...

* You can be banned from Google Pay and all payment based services, yet still have a Google account which works for free services. There are lots of gnarly corners and bugs for users in this category, since any call to a billing API will fail. Want to use google Meet for a video call? You can't because that calls Google Voice to check your balance for phone calls, and that fails... You can end up on this list if your bank tells Google that they have evidence of committing fraud for example.

* Adwords can be banned separately. Usually done for accounts who abuse the "$100 of promotional credit" things... Prevents use of paid chat in youtube as a side effect.

* Various Youtube features can be banned separately from the account. Used for copyright strikes etc. Causes side effects like for example Google photos can't sync videos as part of an android backup because it's the same backend and rules.