You can get banned from xbl, mostly this happens for playing games while connected to live before they are released. So if you play games two weeks before they come out id make a second account for offline use. But once games are out you can play online no problem. There are multiple types of bans xbox has done, they ban your account, your hdd, or your disc drive. If your disc drive is banned a new one needs to be installed.But lately just account bans have been happening.