It happens a few times a month, ever since I moved from godaddy standard hosting to Managed Wordpress hosting.
Me and my wife have admin accounts. If I get bumped to "subscriber" I user her account to set my account back to an Admin role. (I don't get bumped off and on, I have to manually set back to Admin using her account.)
Yes I've take all the security steps.
I have 10 plugins. I've disabled them all, removed them all, ect.
I generally take all precautions "before" I call GoDaddy to avoid the standard theme/plugin runaround.