Perma ban's and the law
So I have been thinking about this for a while since it seem's the only players who get perma banned are toxic players and almost never the troll's who caused them to be toxic in the first place.
Riot has all users "accept" user agreement that includes a statement about them owning all content , aka skins, champs, anything you spend real money on. They are just allowing you to pay money to use them. Along with the a clause that says they can take it for whatever reason (aka BAN YOU). Now my question is, if you are a kid under the age of 18 you cannot make ANY legal binding contract with anyone your parents have to for you, so what if , lets say a 14 year old used his parents credit card spending 100's if not a couple thousand dollars on their account and then was permanently banned? The parents are technically the ones the money came from and NEVER signed the agreement. Furthermore, the kid was not old enough to sign any sort of contract accepting terms of use from Riot. Under the law would Riot have to refund the money used? Or could they face a lawsuit?
Remember this is just a hypothetical situation that I was thinking about the other day.
EDIT: In this example the parent knowingly let child use card or money or whatever have you. The question is the parent never accepted terms of use only the child which cannot be help accountable since they are under the legal age to do so.