[mothered]

If they advance refund me, and i take the money off the card so they cant re-bill me, the worst think that they can do is ban the account, right?

Online account debits Is not the only way to rebill.

Sending an outstanding Invoice with an amount payable and due date, Is one way they'll pursue their money.

And if someone put a fake address in profile info?

It's not only an address that Identifies you.

You'd need to fully anonymize every personal credential.