I read a horror story on Slashdot about a user losing their Gmail account because of some issue on Google+ and that was it for me. I stayed away. My email account was too precious to risk.
my OpenAI API account got nuked due to a missing organization error when I switched clients one night. I just got an email back from their support... took them 2 months. For reference, ChatGPT API has been out for only 3 months.
