Posit: for anyone with an iPhone, iCloud is the most secure online account 99.9% of that population. Both from keeping data secure / encrypted and default privacy settings (with ability to turn on ADP). https://support.apple.com/en-us/HT202303
As long as they turn on Advanced Data Protection and a Recovery Contact, I agree. Recovery contacts could use a threshold scheme, as opposed to the 1/1 setup for recovery it currently allows.
Did you end up moving your email to iCloud off Gsuite? Love it? Hate it?