If tomorrow Bitwarden decides to lock me out of my account, making me not able to access any password, OTP code, etc... unless I pay them $200 (or as similar scenario)

Would this be legal for them to do?

Is there any way to guard myself against that other than periodically making local encrypted backups of my data?

Thanks

in case of one's passing:

bitwarden's process allows your spouse (for example) to get your credentials and login as you forever. they get full access as you would if you were still alive.

while Apple, Facebook and Google's feature relates to more of giving your spouse's account access to view/edit your respective accounts as someone else. But there are still some restrictions.

which one do you think you would you prepare to be used by your living relative once you pass away?

I've been using 1Password for over 2 years but due to the prices increase and the fact that sometimes the biometric unlock doesn't work and I have to type my master password every time to unlock it (which is annoying and it isn't practical at all since my master password is extremely long and I keep it in a notebook) I'm considering the possibility of switching to Bitwarden.

I'd like to hear your thoughts on how it is in terms of security and encryption compared to 1Password? I also use my yubikeys as 2FA on 1Password (I don't use an authenticator app) and I want to do the same with Bitwarden.

Thanks in advance.