For freelancer anyone account can be disabled anytime without any proper explanation or verification. Any completed order with 5 stars review can be cancelled any time even its 3 months later, so there is no guarantee you will get paid after your work! If you are client and want to do fraud activity in fiverr you can easily do, after getting your service you can get 100% refund, just contact with their support or make a dispute in paypal or credit card vendor, you will get refund.