Guaranteed way to ban someone?

This has been looming over my mind for the past 2 or so years. I think i figured out a way to get an account suspended, and its kinda bull so hope i'm wrong on this. I never actually tried this because... we'll you'll see. Here's the method: 1. Befraind the person you want ban for 24 hours or more 2. Purchase RP and use the whole ammount to buy a gift for the person. 3. Contact your bank and stop the payment. So question, did anyone try this out? How do you defend against this crap other than not accepting friend requests at all? EDIT: This will get both accounts banned.
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