Yeah, actually that's what I do. I pay for important services and choose companys where that actually respond to you. Email, calendar, etc I pay fastmail, for example. But really you can't avoid having to trust someone/thing.
As much as possible though I don't use services at all for important things. My photos for example are not in the cloud. And I have backups where that is not possible. Do I have a Google account? Yes I have many. What would happen if Google locked me out of one? Nothing I'd move on because I don't care.
You can't eliminate the risk but you can do things to limit it, and that starts with recognising Google/apple/Microsoft don't give a shit about you or your data. And you are not worth their time if their systems flag your stuff for deletion.
