When I was around 18, so around 2008, I had a PayPal and eBay account attached to an email I hadn't been using or checking. Someone hacked the PayPal, and subsequently the eBay account, and began selling Twilight box sets (books), sending a CD with the PDF's burned instead of actual books. Both accounts were "limited" i.e. banned, and it took me almost six years to get a PayPal account again in my name.
To answer your questions, people get banned when they aren't selling legit products or delivering on time, and when they attempt to make a new account after a ban, and use any of the same contact info.
Also, don't let OP lure you into investing in anything:
http://www.blackhatworld.com/blackhat-seo/blackhat-lounge/803320-investors-bhw.html
http://www.blackhatworld.com/blackh...-financial-emergency-situation-need-help.html