Perhaps having a "right" is too strong of word. But I think anyone that has been told their account is banned because of some generic "risk" would want to know

Perhaps having a "right" is too strong of word. But I think anyone that has been told their account is banned because of some generic "risk" would want to know exactly what rule they violated... particularly if $40k is at stake. And while Google may be well within their right to just ban the account and never speak to the account holder again, then EVERYBODY needs to know that this can happen without warning and without recourse. I would imagine that the more people this happens to and the more people that know it, the fewer people would even start down that path. The real shame is that it is more likely to scare off more legit accounts than fraudsters. People with fraud (or gaming the system) in mind are just going to keep creating accounts and collecting as fast as they can before it gets shut down... and then move on and do it again.