Lol why this would use own ref acc...
coz admin check and you ban, the no money at all

They won't take the money from your account (they aren't allowed to)
They may:
A. Take your REF EARNINGS (not your deposit)
B. Stop your account from receiving anymore ref commission
They are not allowed to disqualify any money that you deposit and/or win gambling unless you are proven to be cheating the game, not the ref system