Sometimes I think what's the worst it could happen if Google decided to delete my main personal account that I use for everything: banking, utilities...
I guess it would a hassle to go to the bank but loosing some images or old emails wouldn't be so catastrophic TBH. Maybe being somewhat nihilistic/minimalist I think that it all will still be lost when I die, so why trying to grasp those things? In some sense it's kind of liberating not depending too much on these kind of things.
Google offers takeout to download your data so you can keep a backup. I run it twice a year and keep a backup copy local and remote.