A private company like Coinbase can decide to ban a customer. I'm not sure what happens to money sent to that address afterwards. If you use a wallet at home like Electrum, no one can ban you from sending or receiving money.Here is an example of getting banned. Maybe the person he sent to ran into trouble like this?
The thing is I run Electrum on Tails, booting from a thumb drive. I'm only on there rarely. If someone sent money to my wallet there, it could be weeks or months before that wallet is online again. I only boot from that drive when I want to transfer money.