Describing this as "for bitcoiners" is misleading. The suspicious activity that this user's account was suspended for was a payment (in USD) from one individua

Describing this as "for bitcoiners" is misleading. The suspicious activity that this user's account was suspended for was a payment (in USD) from one individual to another, that Dwolla suspected was an "unlicensed BTC exchange" (not necessarily on a commercial scale.) Using a network like bitcoin-otc is a solution only if the USD side is paid in cash.