What I've seen with these large services like Google is that once they deem you undesirable (either on purpose or by accident) then they're just done with you forever. They have so many customers and so many bad actors that it's just not worth it to give anyone a second chance. It's pretty horrible for people caught in that situation.
We would need some kind of legislation around this. No company is looking to decay scores over time unless there is some profit motive to be exploited (like there is with credit scores).
What's the tangible financial impact to someone who's been deemed undesirable by Google?
Bear in mind that you can mitigate a lot of risk by operating as a business instead of establishing a relationship in an individual capacity.
And people, much like businesses, need disaster recovery plans. We advise people to have escape plans from their homes; similarly, they should have escape plans for their critical information. Almost nothing in this world is risk-free.
> What's the tangible financial impact to someone who's been deemed undesirable by Google?
Depends how deep you got. I for one would lose access to my mobile phone (Google Fi) and email, so it would be very hard for me to get access to anything that uses my phone number for 2FA. Or the email address for any kind of account recovery. Huge nuisance but maybe no financial consequences, except maybe an involuntary trip to the bank's branch to access the account.