There are exceptions, as with any rule in biology…
Not sure if this is the example @marina_gorbunova was alluding to, but a few weeks ago I saw a huge flareup on the taxacom listserv because an insect systematist from New Zealand with tens of thousands of observations and IDs got banned here. Some of the fault was definitely his, but it does seem like iNat needs to have more nuance in their tiers of punishment instead going straight to a permaban.
Also, I think we should rethink the current landing page for suspended accounts. If iNat keeps someone’s data, they should leave their account page populated (i.e., keep the functionality so you can click through to their observations / IDs, etc) but clearly tagged as suspended + inactive. The way it works now you have to know how to work the URLs, which is an odd half-measure.