AWS account Suspension

I have been an amazon customer for more than 15 years. When i was starting a business i chose aws as i felt it was the most reliable at the time. During Covid, I was battling with challenges on surviving and supporting the dead and living. During the time. AWS shutdown my account and deleted the entire applications due to a replaced credit card. My wife updated the Amazon prime with the new credit card information. but did not update the aws account as she thought the login is the same account for both. Could this have happened if it was a large business. Probably AWS would have called a 100 times or even met them personally to understand the customer payment failures. When AWS services were down or impacted. The credit is usually in a tiny fraction of the bill. The whole application was less than 1Gig, But to develop it again will take a long time. I wish i took a hard backup on my computer. I realized too late how risky cloud can be without a physical backup. Feels so sad that such a big company does not have a concern for small business or individuals. i want to redevelop the site again. but I do not want to put any content here without having a reliable payment system. How can we prevent such issues? Is it possible to add a bank account instead of credit card? What are the other options?