In all practicality, DO freezing your account has the same effect of DO being down (or closing, etc.), or your account being compromised and you being locked out of it.
A contingency plan should ideally have been in place for a scenario where, regardless of root cause, you have lost access to your DO account.
Sure, but them closing combined with the chance of them freezing your account (feasible, considering the topic here) and the chance of account compromise, and the chance they go down for extended maintenance... It is inexcusable not to have a disaster recovery plan for the scenario where you cannot access your DO account.
Imagine you are a customer of this company. Would you be rallying to their defense, "backups aren't needed because the scenarios are unlikely", or would you be angry that the company had zero contingency planning and lost all of your data (or the data you rely upon)?
If you can honestly say, as a (hypothetical) customer of the company in the thread, that you wouldn't care if a company you relied upon has no disaster recovery planning, more power to you. I, however, like to make sure that the companies I'm relying on have some sort of contingency that protects me as a customer.
A contingency plan should ideally have been in place for a scenario where, regardless of root cause, you have lost access to your DO account.