Why not have a Google account for work and one for personal use? Either way, getting locked out of Drive is pretty silly--like Dropbox you always have backups synced on your machines.
I think there's evidence of Goggle detecting multiple accounts and suspending all of them when an algo triggers on one of the accounts. I can't vouch for this but I remember reading posts about such things maybe a year ago.
It's not necessarily about loosing data or loosing GDrive alone. There are many scenarios one could think of. Firstly, if your account gets locked out you loose ALL Google services. If you've been using Gmail for years, it's gone. Documents? Gone. Everything Google, gone. It doesn't matter if you are paying for the service or not. It's gone and you have virtually no recourse.
One possible GDrive scenario (of the many one could imagine) is that of someone going on a family trip and uploading photos to GDrive during the trip to make room on their flash card. Somewhere along their Google account is suspended because of, well, who knows? All of their photos are gone.
Business trip. Upload your presentation and other materials to GDrive. Travel light. Account suspended by the time you get to your destination. Screwed.
With GDrive storage options reaching terabytes there will be many instances of people relying on GDrive for primary storage. That can certainly be the case with Google Docs, where the documents themselves are created online as well.
Clearly this is not an issue for the vast majority of Google account holders. This is due to the fact that account suspensions are more widely reported for users of AdSense and AdWords. In other words, business users. Your average Google user would not (and should not) have this problem. This is good for average consumers yet bad in that there might not be enough of an incentive for Google to be compelled to change their ways and be more reasonable with business users. What they telegraph is that they really couldn't give a rats ass if they kill-off someone's account because it doesn't even move one atom in their revenue stream. Tough problem to solve if you are nobody, as is the case for most of us.
Google encourages people to have multiple accounts in some cases (they even tried their best to force it when converting products over to Google Apps), I think you only get in trouble if you are banned and then try to use another account for the same activity.
I'd create a Google Apps for business account and use that for all business stuff (AdSense/AdWords/Analytics). They won't disable that and you get phone support.
