I also learned the hard with PUBG that you need to use a separate steam account for these types of multiplayer games.
They refuse to share with you why you got ban or reverse it and they keep the money. I got my refund through Paypal and the warning Steam support gave me hinted that I'd lose my account if I did that a second time.
regarding your edit, IMO they shouldn't be allowed to permaban your account for a bad driver without first warning you that you need to update it. Even if they use a fake reason for it, turning off windows update shouldn't be a bannable offense.
They refuse to share with you why you got ban or reverse it and they keep the money. I got my refund through Paypal and the warning Steam support gave me hinted that I'd lose my account if I did that a second time.
regarding your edit, IMO they shouldn't be allowed to permaban your account for a bad driver without first warning you that you need to update it. Even if they use a fake reason for it, turning off windows update shouldn't be a bannable offense.