No! Well I think if you are doing any business then you should upgrade your account to get such a big amount since if you take such a big amount in Personal account, your account may be investigated.
Those sound like reasonable grounds for getting an account limited. What you should take away from this: Don't use deception with a financial institution. Having multiple accounts and accessing them through proxies puts up a big red flag. Chances are some ones not doing these things unless they know they're doing something wrong. Run an honest business. Don't use shady practices and provide what you say you're going to provide. I'd bet money that the people who are solid in what they do aren't the ones who make threads every day along the lines of "omg customer disputing charge how do I stop them!!!"