I don't think the point is that they can't. Just far more unlikely to, and there's usually more recourse. Google is mega-corp who never listens to their users, and are un-contactable. Some AI can and probably will ban some people for no real reason and even Google won't know why it happened.
you can always use a password manager like the KeePass family which is file based. sync it across devices with nextcloud/syncthing instead of gdrive/Dropbox/one if you are extra paranoid