Neither of those, and no I have not been banned from anything Google either. But I do have screenshots of them saying they will pay me this really small sum. And then they refuse to communicate - they don't say, for example, that was a mistake, or they have changed TOS, or anything. None of that would apply anyway. Totally unprofessional, imo deliberate theft.
But I always tell people I have direct experience of Google stealing from me. I do not trust them.
Yes there are a lot of stories about them banning people just before they are due to pay a large balance to them. I think a lot of people are intimidated into silence by Google.