@Don Von Alpha Dom
If I can add my two cents to this: I don't think the defense, or solution of getting money/value back would hold up, sadly. It's been a while since I read the general user TOS, but for creators at least, it specifically outlines that the license to use whatever you upload is theirs (pretty much indefinitely) and if you lose access through breach of TOS, they are under no obligation to reimburse you or the like. I recall that being the same for general users as well; if you get banned, you have zero right to any form of refund or reimbursement through their terms. Pretty standard company service stuff really, in the same way you won't get refunded a game if you get banned for cheating. Just made a lot worse by IMVU's modern habits and abusable report system. (And the largely incompetent customer support.)
It's more of an issue with IMVU, since it's reiterated in multiple forms in their TOS and they're so unjust with their bans. If I had to guess, I'd say they've updated those specific portions of the TOS in recent years to coincide with the stricter banning behavior and double-standards. It really gives them free reign to slap users around however they want, particularly creators. I do not agree with it ..but it's how they're set it up to cover their own ass.