Microsoft and Mojang's current ToS don't even cover the shit they'll ban you for, and it's gotten so bad that someone is suing them.
https://www.youtube.com/watch?v=w_UF_4gZclI
I would also like to draw attention to the /pol/ off-topic retards in this thread, and how they are likely all bots or indian shills paid by microsoft and ubisoft etc so we don't talk about the real, actual problems with video games.