Short question. Do you use more skill points than possible?
You can use the skillpoint to your heart desired, max all the skills if you want, but once all skills are max out, those point are just digital waste of space,
Banned from playing online, NO!
The only thing they ban your from is the official community and then you loose the community extras, IF you get caught... Aka. someone reports you...
If you play online and you deploy e.g. more than 2 sentry guns, you get marked as cheater with red letters, if the people you are playing with are random, they will properly report you!
The question is tho, does the mark Cheater stick through rounds.