Quote Originally Posted by Goji1639 View Post
Eh no, they absolutely cannot ban you for any reason and just walk away with your money; that's very illegal.
Actually, yes they can. In the user agreement (linked here), it states:

SQUARE ENIX MAY SUSPEND, TERMINATE, MODIFY, OR DELETE FFXIV SERVICE ACCOUNTS, CHARACTERS, VIRTUAL GOODS, OR THE SERVICE ALTOGETHER, AT ANY TIME FOR ANY REASON OR FOR NO REASON, WITH OR WITHOUT NOTICE OR LIABILITY TO YOU
(Bolded for emphasis)

You agree to the user agreement and you agree to whatever is in it. That's how it works. They can delete your account just for fun and there's nothing you can do about it.