PC Optimum reward program locks man out of account worth $43K without warning or explanation

As much as I don't like Loblaws, they were well within their rights here. Zhang broke TOS and therefore had his account shut off. There is absolutely no way that a person could accumulate $43k of points with normal expenditure. There would have to be commercial activity involved. You would need to spend between $1M and $4M to reach that amount per the figures here: https://creditcardgenius.ca/blog/pc-optimum-rewards (10-40 points earned per dollar spent). I have absolutely no sympathy for this guy.