@Karbuncle, No one really know why SE make this change, all we know is they drop playonline as 3rd party billing system, instead they choose C&B, of course imo it was a bad choice, they could have choose Paypal instead, but maybe in japan/Eu etc C&B was more popular and the market is probably bigger over there, no matter the reason SE choose C&B as partner for they billing system, that don't mean in future SE wont add more option like PayPal. Just keep in mind back before when it was Playonline only, SE had no alternative for anyone that had NO CREDIT CARD, and that imo WAS A BIG INCOME fail for SE, just think about how much money they lost every month.
For the ban, i doubt you get ban because you have not enough crysta lol that would be totally ignorant from them, so imo the only thing that goign to happen is your account be deactivate like when your credit card expire, and you just need reload crysta and reactivate it, that take 5 min...

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