You are right. The risk of an account termination is very low. On the other hand the penalty for failure is absurdly high. So ultimately it all depends on your

You are right. The risk of an account termination is very low. On the other hand the penalty for failure is absurdly high. So ultimately it all depends on your willingness to accept the odds, and understand that it can, and does, happen - balancing that with the possible need to start over on the Internet one day.