Would you pay for an insurance service against this, meaning that if this occurs you get paid out whatever monetary sum you had paid the premium against? (And just so everyone knows, insurance fraud is illegal, can be a felony in all 50 states, and lands you in jail.)[1]
It would certainly give peace of mind and the next time we read about 1 person in 10 million facing such a problem, we can think, "maybe they should have just paid $10 in insurance." As a public service the insurer could also publish rates of lockout.
I've had this idea for some time, so if you want it you need to reply with a resounding, yes, you'd pay for it. For the record, I'd pay for it. But I need to find 9 million other people too.
I'd pay, given I have enough trust. I'd also be happy to e.g. half my payout for legal assistance in retrieving whatever access was taken away.
The issue I see is, what happens when a spam-account gets blocked? And how do you keep people who knowingly break e.g. google policy from forming the majority of your customers.
Given that google doesn't usually accurately describe why accounts are closed, such an insurance company would never be able to prove insurance fraud and be completely exposed to it.
It would certainly give peace of mind and the next time we read about 1 person in 10 million facing such a problem, we can think, "maybe they should have just paid $10 in insurance." As a public service the insurer could also publish rates of lockout.
I've had this idea for some time, so if you want it you need to reply with a resounding, yes, you'd pay for it. For the record, I'd pay for it. But I need to find 9 million other people too.
[1] I'm not a lawyer or even actuary.