It's an unauthorized copy.

they can ban me, I guess ... if they don't want to receive payments.

Copyright applies to the entity doing the distribution. It could be violating of DMCA though I am not a lawyer and don’t fully understand the law.

It applies to all copies. Unless you have a blanket law like AHRA that absolves you or you're doing something covered by fair use, it's unauthorized. This has always been the case since before DMCA.

DMCA would be a violation, but more importantly, it could potentially be argued that you are copying it to your hard drive permanently when you wouldn't need to have an archival copy.