The Legal Eagle
If you're banned from Xbox Live, you've basically kissed a lot of money goodbye. You lose whatever is left of your $60 annual membership, but you also lose your DLC. Not just map-packs and avatar items, but your Arcade games as well. And of course you lose all of the achievement points you've gained over the years, which have no explicit monetary value but represent a tremendous opportunity cost that could be in the hundreds of dollars (if your time is, in fact, valuable). Some of those banned users will post to the forum expressing their extreme displeasure at the loss of what they've paid for, and they go straight to the big guns: threatening legal action against Microsoft... one of the largest corporations in the world. A corporation that is no stranger to legal action. But The Legal Eagle doesn't take that into consideration. The Legal Eagle believes that because he knows a lawyer, and threatens action against Microsoft, the company will simply roll over and refund all money, points, achievements, and maybe even toss in a code for Undertow.
Listen to me when I say this: Microsoft spent the better part of the last decade in a legal battle against the continent of Europe. At the same time they were mired in that international legal dispute, they were fighting a case brought against them by the United States of America. Basically, western civilization itself was battling against Microsoft in the courts for the better part of a decade and Bill Gates is still toweling himself off each night with the silky hides of endangered baby seals. Threatening Microsoft with legal action as a single human being is like trying to attack a hive of Africanized murder bees with a piece of gum you found in a urinal. That's not to say one person couldn't conceivably rout Microsoft in a legal dispute; after all it was a single, well-placed torpedo that brought down the entire Death Star. But the difference is the Death Star was fiction and Luke wasn't demonstrably guilty of severe violations of XBL's terms of service.