A. Pay for your email. Use Fastmail. But how do you guarantee that Fastmail won't screw you over someday? Get a lawyer! But how would the law work across countries? Not everybody lives in the US!
B. Buy a domain name and host your own email address. But you don't own domain names either. You rent them from someone else. There are so many failure modes that can make you lose your domain. Missed payment. Error in admining it. Fake abuse reports triggering takedowns. How can you avoid all of these failure modes? Get a laywer! But again, laws don't work very well when there are geographical boundaries.
So must we always buy a paid email service from our own country where if things go south, we can hire a laywer and rectify the matter? Must we always buy a ccTLD of our own country if we want to host our own email?
* Buy your own domain, (Through a reputable registrar that has existed for a long time (enom; joker; namecheap; aws).
* Host DNS through a 3rd party (Cloudflare in my case)
* Use Fastmail for email hosting on my custom domain
* Run a nightly cronjob using offlineimap (https://github.com/OfflineIMAP/offlineimap) to sync all hosted email to my local NAS.
This protects me from:
* Fastmail bans me: I'll pay for email hosting elsewhere, update DNS records, and upload all my backed-up email.
* DNS host bans me: I'll move to a different DNS host.
* Registrar bans me: I'm a little fukked; old emails are backed up, but new emails would be tricky. Though, this is much less likely
* House burns down: Buy a new house and NAS and redownload all my email.
* Nuclear war: I'm dead and email doesn't matter anymore.
If that risk is: my 'free email' provider decides to shutdown my email with no notice, then the risk mitigation is: "buy a domain name".
Do note that "buy a domain name" and "host your own email server" are orthogonal. You can "buy a domain name" and pay someone somewhere to "host an email server".
If your risk is: my domain name provider will terminate my domain name arbitrarily, well then, you are getting into very expensive territory where you'd have to become your own registrar, buy a TLD, and so forth. But then you just moved the risk up to "my TLD provider might terminate me".
Eventually, you realize that there is no way you can mitigate all the possible risks (not without personally owning all the world wide internet infrastructure), so you stop worrying about the "what ifs" that are so remote that they will never happen.
The simplest, lowest cost, and most risk removal is simply: "Buy a domain name". You eliminate so much of the risk there that the remainder becomes "very unlikely to happen territory".
If you own the domain name, then you get to move it around to different servers (and, as email natively supports 'backup servers' you even get to have multiple servers hosting it, provided you want to pay for the expense of doing so). This mitigates all the risk of any given "server provider" dropping you. You just move the domain to another and you are back in business as if nothing happened.
Your second step to mitigate risk is to never, ever, leave the only copy of your email archives on any of the servers you pick to host the email. For all of them, as soon as they receive the email (or as soon as you poll for an email) you download it to your local machine that you control (and backup). That way, any given server closing shop tomorrow, or canceling you tomorrow, has zero impact on your ability to access your archives of past emails.
Once you take those two steps, the remaining risk possibilities become remote enough that you really need not worry about them.
If an issue occurs then I can call a human and will likely be able to regain access. If the company ceases to exist, I "just" need to reconfigure my DNS records and import my backup into a new provider. It's not the cheapest and certainly not free solution but it will be works for me, it has survived at least two migrations between providers.
I can highly recommend mailbox.org and mbsync. Fastmail and other providers who support custom domains will also suffice, pick your poison. If you want (human) support, be ready to pay a small bonus for it.
First you try to quantify the likelihood. For major email providers my estimation is the likelihood is actually quite low. Hundreds of millions of people have Gmail accounts and use them everyday. Same with Yahoo, Microsoft, etc. The vast, vast majority of people who use these services do not get locked out.
In terms of prevention, understand what the service provider considers risky and compartmentalize. My personal Gmail accounts do not touch stuff that Google considers sensitive, like Ads or payments or IP (e.g. uploading to YouTube). For that work, I use other accounts. My professional Google accounts are tied to my work email domain, not Gmail.
Finally, understand what recovery looks like. Seems like people often forget or underappreciate recovery (vs prevention). I use a password manager so I don’t need live access to email to log in. And for important services I log in regularly and/or use apps so chances are I’m authenticated right now. So in all those cases if I lost one email address, I could change to another in my account.
And for anything truly important, like financial, I have others ways of contacting them. If I get locked out of Gmail I can still call my bank or broker, etc and re-establish access with a new email.
This sounds extreme but it's only the most dramatic example. This scenario can happen any time during your life if your domain is not renewed for any number of other reasons.
So for me I've had to accept the risk which comes from keeping my most important emails on a large free email provider. At least if they ban me they aren't going to let someone else access my email either. For everything else - the less important accounts - I do use a domain name that I "own".
All important subscriptions using one account for contact, I use the other for an alternate.
Maybe I'll start backing up my files somewhere else too.
I have a process where I test and update everything annually in December when I complete my annual training. Sign up for legacy and backup contacts. Save emergency codes.
Your registrar might kick you out, but is unlikely to seize your domain. If the government seizes your domain, it means you have other gigantic problems.
Overall, having your domain + DNS + Email provider all separate, gives you enough protection. Having your email as gmail has some risk but it's really a very small risk that most people just run on gmail just fine. The setup outlined by mmh is way enough.
Tell HN: Need help, locked out of Google account with 10 years of personal data
I sometimes read comments on this very forum, that hosting your own email server is risky and requires lots of work. I agree it's not for everyone - you need to have some knowledge of how to run and secure your service on the internet. I self-host since roughly 2011-2012 and cannot say I spent tons of time on it.
It does cost some money though, I pay $5 monthly to run my Nanode (on Linode), and then something around $30 a year to keep my domain.
Optional: Point your mail DNS to Fastmail or similar so you don't have to host anything.
This is about bullet proof.
For me, as a US person, that's easy. I've got some stuff on a .org, and some on a .us.
I actually let the .org go for a while when money was tight and hosting was hard, but managed to get it back later cause whoever had registered it and gotten it signed up for lots of Japanese spam had some problem and it became available again in the middle of the registration year.
I really wouldn't worry about having your domain pulled due to "fake abuse reports." If you follow the TOS and pay your bill you're fine. Amazon would look at a false abuse report, then look at your domain, see it is being used for a personal email server and toss out the report. As far as payment goes, just set up auto-billing.
Cloudflare is a necessary evil type of company but they specialize in countering malicious activity. They're good at it. They also offer a service that lets you use a domain name to forward to another email address (like a gmail) so if something happened to your Fastmail you could quickly set up a fallback to keep your domain receiving email.
These are US based companies with more money and power than a lot of countries. The internet is built on them.
They can be relied on for personal email.