From your response it does not seem like you have enough experience using LLM, and your response seem to indicate a bias from reading posts of folks who got banned. Typically in these situations the poster who got banned, will never typically reveal the full picture of what happened or what their setup was.
Anthropic customer service is terrible, their policies are opaque and could be better. But it is really delusional to think that they are some kind of fly-by-night all-you-can-eat buffet that kick you out for no reason or just because you used up your quota.
From what I understand, if you are using official harness, not using it to build/offer competing service, not sharing account with others, and not doing illegal activity (this is left to their interpretation), the chances of being banned is quite low. This is not anything special to Anthropic, most service providers have some kind of ToS.