That was true. But actually, I think that's changed a few weeks ago since they introduced a API credit amount equivalent to your (eg. $100, $200) that will be used for such cases. So they don't ban you, they just bill you that allocated credit and then actual API cost.
Yes. That’s possible in addition to using your actual subscription. I’ve been using it via cliproxy for all harnesses and even my own code review agent hooked up to github apps. Not banned yet but I also dont do crazy stuff with openclaw or hermes