To be blunt, if that kind of stuff stresses you out you'll have one hell of a wake-up call once you move out on your own. The internet and all of its dangers like credit card/id stealing, viruses and bad web-pages don't come close to trying to find the money to pay my bills.
3 Things:
1) there is no auto-ban for negitive rep since people can dislike a post that doesn't break any rules
2) He was banned for ignoring an order to by another mod to drop an argument and didn't.
3) No more talk about him getting banned in this thread.