Comment by g947o

I think you are confused.

The issue is about getting locked out of your own data, which can easily happen in a number of cases.

And you don't necessarily need to actually have your account banned.

Let's just say you signed up for a Microsoft account when setting up for a new PC (well, because you have to). You don't use that account anywhere else, and you forgot the password, even though you can log in via PIN or something else. Now you install Linux or just boot to a different system once. When you need to boot to Windows again, good luck.

And that's just one of the cases.

A real disaster happened to someone, although on a different platform, and the context is a bit different: https://hey.paris/posts/appleid/