Account Penalties Decrease after Each year (add as a rule)

[Taika]

This is only to be implemented for player i.e have used profanity/racism/harassment/
lot of players feel reluctant to continue or buying future expansions
or even level their character as some of them are in a red state when their account is terminated they would lose everything

If a player is unable to prevent themself from spewing profanities and acting in a racist and harassing manner often enough to get repeatedly reported by other players and causing repeated GM actions, I would guess most other players would wish that player would "walk on eggshells" and maybe even decide not to buy any future expansions...