Apparently this person I know isn't alone, if you search you can find other people reporting they've been victims of this. And of course, Google support is nonexistent for ordinary users, so there's no real recourse. Let this be a warning about the consequences of ill-thought-out "child safety features"?
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.