Thanks for letting us know in advance. (rolls eyes)
If we catch you breaking any part of our user agreement, or doing anything that suggests deceit, fraud, or harm to anyone, we’ll remove your account. It’s pretty simple. If we ban you, yes, you will lose all of your karma.
We’re not entirely sure it’s appropriate to call this the Frequently Asked Questions area as, candidly, we don’t keep track of how often these questions get asked. Consider this community as a place where we post answers to what we anticipate your questions will be. But, if our crystal ball is malfunctioning, feel free to post your question in /GettingStarted/Help. If we turn your question into an FAQ, we’ll credit you back the karma to post it. It’s the least we can do. We also welcome suggestions at /GettingStarted/SuggestionBox.