With regards to "Banned user" tag,as you can properly see I've only very recently joined but the day after I'd registered I was banned for sending Spam in my private messages ???????? As I'd,at that time only sent 4/5 messages to 2 people,I was and still am puzzled how I was supposed to have sent Spam,
I contacted the moderator and as requested,explained what I had done and was then reinstated with an instruction to be more careful when I next sent private messages.
Obviously I had upset someone but I never saw any copy of the actual Spam that I'd supposedly sent so I'd say that yes possibly some people do sometimes receive the "Banned user" tag.