That is quite a bit of effort to protect from accidental temporary bans. It's definitely important (and easy) not to mix personal and business accounts, even for for single-person companies. But keeping different accounts for different parts of the same company without committing fraud is not that easy.

If the ban is permanent and results from a change in policy, this won't help significantly anyway: if Google actually wants to ban your business, they will find all related accounts, and ban them.