Everyone knows the tale of Brand X getting bought out by some faceless global conglomerate and going to shit, but does the opposite ever happen?
True on the risk aspect, there are authentication plugins you can get instead on the server side.
On the ban aspect, I don’t see people making this claim for Steam, if you get banned on Steam you lose all your games, not just a $30 purchase, and maybe don’t call people slurs in online text chat? Idk, it seems like it was just an overhyped concern with few actually getting banned that didn’t deserve it somewhat.