A genuine question for a that gets banned

Sigh...Can't give any comments and judgements on them as I am not involved in the cases, but somehow I really can't help thinking: it's only a game, why doing too far and too much causing oneself to be banned???!!!!

No idea.

Nope. Per the terms you agree to when you sign up, you forfeit anything on your account in the event you are banned.

In most cases, a permanent Xbox Live account suspension does not remove your games or purchases. Any previously-downloaded games, apps, or features that can be used in an offline mode will still be accessible to the suspended
account. However, any content or features that require online services will not be usable by the account, such as the ability to purchase new content and, without a designated home Xbox One console, the ability to re-download content through other accounts.

If the account had a designated home Xbox One console, most of the suspended account’s content will still be accessible to other accounts on that home Xbox. This includes the ability to download updates, re-download content,
and use content online. Keep in mind that consumable game content, any Microsoft account balance, and premium subscription services are not transferable from the suspended account and will not be accessible to other accounts.

For example, if you purchased and installed a game to your home Xbox before receiving a permanent account suspension, your suspended account can still play the game offline if it has a supported offline mode. Other accounts present on your home
Xbox can continue to access the game’s full online functionality. If another game was downloaded to your home Xbox but deleted prior to the permanent account suspension, other accounts present on the console can re-install the game to the home Xbox from the
suspended account’s game library.

Visit support.xbox.com to learn more about
Using Xbox Live Gold sharing features on Xbox One. To check if your current Xbox is your home Xbox, see
How to designate an Xbox One console as your home Xbox.

For more info:
https://enforcement.xbox.com/en-US/home/howto#sub-topic0-5

Permanent bans are not given lightly. It's usually the result of extreme severe and/or repeated temporary bans for behavior. All content is tied to the account and if the account is banned there's no way to transfer it to another account. It would also
defeat the purpose of banning an account for such behavior only to transfer all the content to a brand new account to do the same thing.

I understand that but just imagine spending £300 on a certain game to do something stupid say buying an account they shouldn't and they get banned. That's obvious but wish their was a way to keep your items in game and give it to another account.

None at all. I've seen plenty of posts over the years where people have complained about losing a lot of purchased content. That's the price for getting banned.

You can usually try submitting a case review and the enforcement team will take a look again to see if they made an error in banning the person, but other than that, no.

Sigh...Can't give any comments and judgements on them as I am not involved in the cases, but somehow I really can't help thinking: it's only a game, why doing too far and too much causing oneself to be banned???!!!!