Is it possible to plan for the possibility of your account being disabled by G / Adsense? The thing is, it appears that your account can be banned through no fault of your own.
It seems to me that that creating a brand new Adsense account would require the following:
1. A bank account in a new name (business or personal).
2. An address which is not linked to yor exising address.
3. Hmmmm, can't think of any other absolutely neccessary requirements.
If that was the case and you only have an existing personal Adsense account, why not set up a business account in the name of your business "#*$!xWebsites" at the address of your mum, sister, brother, friend etc. Then, monthly transfer any Adsense earnings from your personal account to your new business account to ensure the bank lets you operate the account.
After six months or so, set up a new website and point the earnings to your new bank account / address. Hey presto, you have a new adsense account which can be operated more vigourously should your main account get banned.
What are the holes in that plan?