It's a problem to the OP, and it's a problem to a lot of users who suddenly lose access to their GMail accounts and don't have the luxury of getting to the front page of HN. Just because it's not a problem for 95% of people doesn't mean it's not a problem.
I'd also argue that most people aren't aware Google doesn't have customer support going in. Did you explain to every person you recommended GMail to, if you've recommend it to anyone, that there isn't any customer service should they get locked out of the only email account they might be using for the next few years? You might be a smart hacker and know to back up your mail on multiple drives each night, but most folks assume good faith about a company they deal with.
It's not a problem for 99+% of people. That means it's not a problem for 99+% of people. It's like any rare but unfortunate event that people rationally choose not to insure against. And it sucks to be you if you're the statistical outlier, but you already know what to do if you're worried about that: Choose a different service that has a worse overall user experience because they spent their money on giving you someone to talk to on the phone instead of on producing a well-engineered service.