> And if you happen to land on their "bad" list (which eventually everyone will), you're locked out of life completely. No banking, no traveling, no communication with anyone, no buying food, nothing.

Not really. Government is not Big Tech. This happens with accounts of some tech companies precisely because they're private entities setting their own rules in the still wild "wild west" of the Internet. Governments set laws and processes to ensure the things you mentioned do not happen, except in very specific circumstances.

Think of it this way: being "locked out of life completely", resulting in "no banking, no traveling, no communication", etc. is not a new problem. In the off-line world we call that being sanctioned, imprisoned, deprived of personal freedoms, etc. Yes, it happens to some people, but usually for very specific reasons (called "crimes"), after a lengthy bureaucratic process (called "trial" and "sentencing"), with plenty of safeguards to catch and rectify mistakes during and after the fact (like "legal defenses", "appeals", or even "journalists"). It is not something you normally worry about.

Humanity has worked out best practices for these thing over thousands of years of various tribes and nations and governments forming, disbanding, collapsing, emerging, conquering or becoming conquered. Adding electronic IDs on top does not change the nature of the thing. So you won't get locked out of life for posting the wrong emoji in a tax report comment; that would be like being thrown to prison for drawing something on a government form - or rather, if that's even remotely possible in your country, you have much bigger problems than digital IDs, and your best move would be to emigrate somewhere sane before borders close or civil war starts.

Plenty of other things to worry about here (e.g. ID checks suddenly being required by every business, just because it's zero effort to them for some marginal KYC benefit), but getting banned from life due to ToS violation is not one of them.