>I think many would quickly understand the value proposition

I think thousands of innocent teenagers without credit cards will be furious. Not to mention anyone that takes a game semi-seriously and cares about their reputation after getting banned. Also, with real-dollar values tied to skins, you’re not just nuking someone’s $50 account — accounts and their associated items can be worth a lot of money.

Anti-cheats should need to be certain. They should also, however, ban the hardware ID, which lots of games companies choose not to do (because they’d lose money).