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and in response to the second part of your question, accounts are not deleted per se, but they are deactivated, so that "Banned" or "Loser" appears as their rank title.
Users are not deleted, though, just the user is unable to use the account, I would venture to guess that it is kept around to keep post consistency around, so there arent posts randomly missing, for the few people who are deactivated who actually posted once or twice...
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