New players who ragequit mostly do so because of griefing by other players. If those griefers were held meaningfully accountable for their actions then many more new players would be likely to stay and become regulars themselves.
"I was killing scorpions and gathering thier tails but guy in metal armor appeared in encounter and killed me! I ragequit! Ban him!"
"I was trading with Sha Enin but someone exploded me! I ragequit! Ban him!"
"I was standing and doing nothing and a rocket, launched from a tent, exploded me! I ragequit! Ban them all!"
I don't get it. You want to ban all "griefers"? Why don't make "griefing" impossible? Why don't you suggest non-PvP location towns.
It's easier to prevent "griefing" than punish players for it.
What exactly you want to stop? Bursting in towns? You don't understand poor suicidal bursters, they suffer alot:
1) They may critically miss, because thier smg is usually almost broken and if they critically miss, thier day is a fail, it's really a shame when you critically miss in NCR with smg when going to kill someone.
2) Each bullet is 95% to hit, you may hit only with 1 bullet! Or 2! Or 3! Or 4! It's not enough to kill. It's really really really really frustrating when you don't kill your victim.
3) You may lag! Your victim may walk away from you, but you won't see it and will burst him from >1 hex, if he's not low HP blue, you'll be sad.
Troll alts sometimes really poor, because you're too lazy to give him items from main/ask your friend(s) to bring you some and you need to wait till someone die in NCR, to loot thier items, sell them to Sha Enin and buy a grease gun and 15 .45 ammo to satisfy yourself.
Blocking traders, killing traders, luring traders to jail/brahmin pens/BoS bunkers sometimes is really hard, because a GM watching you and when you're done he appears and looks like troll for me, because he's ruining all those efforts to have fun.
I made 2 alts, bought alot mercs, pushed Buster in a corner of his tent, made mercs surround him and stand in his position,
that's really hard, because I needed to move only 1 merc at a time and hide from other mercs, so they won't see me and move when it wasn't required. I filled Buster's tent with damned mercs so noone would trade with him, I made 3rd alt to completely fill his tent so noone would enter it, but... when I came with 3rd alt and 4 his mercs, an evil trollish GM made all mercs disappear! I spent really much caps on mercs, really really much time to put those stupid AI idiots into thier positions to block Buster and prevent him from moving, but GM... just made them disappear! Also when I made Buster permabusy with my 3rd alt by pushing merc on his position and giving him order to move to Buster's current position at the same time and Buster wanted to return to his position = that's damn really hard, I went to sleep knowing that noone will trade to Buster until GM come, but... all mercs disappeared again! Or pushing Buster and guard with Floodnik, make them switch thier positions so they will try to return back but wouldn't because hex isn't empty -> permabusy both and can't be pushed, we did it! And you know what? Some GM made Buster unpushable after that! Now all you can do to Buster is to simply burst him! Sha Enin is real trolling from GM's side, you can't kill him, you can't push him, you can't lure him, he's just standing on one hex, surrounded by 6 hex blockers with infinite HP, you really can't do anything against him, simply nothing, even barter+speech non-stop talking alt won't help, because they can just push you and other player will start talking to Sha Enin instantly, you can't stop people from trading with him and it's really annoying. I even know how to switch positions of Sha Enin and Dusty! That would be really fun! But it's impossible because of Sha Enin's troll immunity granted by 6 hex-blockers.
Also there're no griefers, no trolls, everyone doing everything for a reason!
I was roleplaying BoS officer and wanted to lock all traders in BoS bunker to protect them from evil murderers with smgs! Also it would encourage NPC factions, BoS members had access to bunker! But GMs are killing my roleplay!
I was roleplaying NCR citizen by walking from one part of NCR to other
while trader(s) were following me and noone could talk to them, but evil GMs abused thier powers and made me lie with 0 AP!
I was accidentally shooting my mercs, no, I was training on my mercs with different weapons with really low skill, I was counting real % to hit, because I didn't believed in 5%, but other players constantly accidentally were standing between me and my training target and I had "Oops!" hits! And it's not my fault! But evil GM sent me to Glow and then to jail!
I had low reputation and was wearing metal armor! A friend with high reputation started shoot me (we were testing my armor protection, really) and alot people joined him and died by guards! It wasn't my fault! But evil GM sent me to Glow!
I made tones of alts, gathered many flares, thrown them into Sha Enin just to make other players see him better (yes, so they know where trader is), he was glowing even at day! But evil GMs removed flares!
And if player says: "O no, he killed me =_= I ragequit." Then let him ragequit. Because if not "griefer" will kill him, he will ragequit when a scorpion will kill him or he'll spawn in 1 hex from NCR army and they will burst him, etc. I don't understand when you're leaving game only because someone made you sad, why not make him sad in return instead? And his friends, and friends of friends and his dog. Make them all sad and be happy! Just "grief" him everytime you see him and it'll be ok, make it as your goal.
So, now about your suggestion:
You want:
A player doing bad things - he's banned, his money goes to server.
A player not doing bad things - he's playing, his money sitting in deposit.
Easier solution:
Make players impossible to do bad things, so you don't need to wait till they do it to ban them...
So suggest something else.