I have maxed out my 5 hour limits and my weekly limits fairly regularly, when I did a bunch of editing work on long form writing next to having CC run a few coding tasks over the xmas holidys - I only slept a few hours at night an timed those roughly (by chance) with my limits.

I neither got a warning or a ban or anything - and that was with the double token amount during those days.

So I don't see human usage being something they ban for TOS violation, like you describe. But as always YMMV.

Was this on a new (few months) or significantly older account?

I am on a pro Plan for I don't even really remember and on a Max plan for I feel about 7 or so months.

It wouldn't really surprise me if their automatic systems are, one way or another, looking for that sleep period. Those ostensibly human users who use the service with no breaks for sleep would be naturally suspect.

What are they going to ban you for? Using their products? If Anthropic didn't want you to use their LLMs around the clock they wouldn't publish the features on their consumer app to do just that.