The number of loans doesn't go away so basically they would have to abandon their asso entirely to evade ban and this is the last thing exploiters would be willing to do.
The 5 rest packs per day is basically a very good measure to avoid exploiting, but people will always find a way to exploit. Maybe in the future something else might come up. I don't know, I'm just speculating.
What is needed though is a company like Nordeus to punish the exploiters accordingly and make people possibly looking for ways to cheat to double-think about it.