I dont know, this all seems very unethical to me.
The fact that there is no obligation to ever pay or refund any money that I as a user and creator have paid into the service or have earned through the sale of my creations, the fact that there is apparently no financial responsibility to pay or refund any of that money in the event of data loss/breach on their end, or that someone could just be having a bad hair day and decide to delete my acct and keep whatever money I had there does not sit real well with me.
I know its probably always been this way, but if I put money in a bank, and the bank gets robbed, my money is still there (in theory) because it was insured. If someone is going to hold onto the money I earn from the things that I make, I feel like they should have some responsibility to ensure that A) every penny of that money is safe and not prone to loss due to 'down time' or breach and B) that I am entitled to and have access to any and all money's which I have earned and they may be holding for me.