FUD? I don't work for the competition. In fact I am pretty dependent on Google services, and this is a source of anxiety for me. This is real concern for me. You, on the other hand, sound real defensive and like you kinda might work for Google or someone making Chromebooks.
I posted the two links I posted because I couldn't find the really dramatic ones I had seen before, and didn't feel like spending time searching for them. They're out there. But my point stands. If your Google account is blocked, it's YOUR problem. There is nobody to phone, and nobody who cares. You're not a Google customer, just an eyeball. There are account recovery options, which may or may not work. Nobody cares.
You could still use your Chromebook as a web browser, but all the nicely integrated Google services you depend on won't work, or if you use a new account, won't have your data. Your data's missing. Again, nobody is responsible.
And the Chromebook customer support centre will tell you that your Chromebook works fine, and you're welcome to open a new account. Google takes no responsibility for your missing data. Check your TOS.
And you sound like someone who's never had an accidental TOS violation or a false-positive security lockout. I have. It's mildly annoying if it happens with your bank or with Facebook. With Google if you 'live in the cloud', it could be devastating. As that first link shows. Your faith in Google only blocking your account if someone's hacked it is charming but seems overly trusting to me. What if they're wrong? What if they're right but you still need that data?