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And what if it's a spam bot? One was recently banned here after receiving 100 penalty points. A week later, it had 95 points and immediately continued to spread spam.
This system prevents the possibility of a permanent ban, but sometimes it is necessary. However, if it is supplemented with a clause stating that "if an account is already blocked, the system for deducting penalty points does not work," then everything will be fine.
Also, I think it would be better to make this system a little more mathematical. For example, you could deduct 5 points each month.
It's a pity that there is no "my own interpretation" option in the poll, but, choosing from what is available, I would prefer the "agree" option. But it means that with amendments.