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Conina said:

Avoiding permabans ain't THAT hard.

If someone gets permabanned due to constantly cheating in online games (spoling the fun of the other players), I don't feel any pity for him.
If someone gets permabanned due to playing pirated copies, I don't feel any pity for him either.
If someone gets permabanned due to threatening or insulting other players, I don't feel any pity for him either.

And when I take a look in your PSN profiles, all three PSN accounts are older than 10 years. So obviously all of you learned to behave "good enough" online to avoid permabans:

I'm about as worried about a ban or account hack as much as I am worried that one of my physical discs won't work anymore, very small chance. However my point, and that of others, is that one disc not working anymore is just one disc. Lose access to your account and you lose your whole library, maybe only temporary but until it gets resolved, no access. And who knows, another psn hack is not outside the realm of possibilities.