Well, on consoles it can actually be much, much worse. You might lose more than the price of the game itself if you accidentally join the online match with cheaters on your Xbox One:
http://www.reddit.com/r/xboxone/comment ... in_hacked/
Personal computing discussed
Savyg wrote:I highly doubt Infinity Ward can ban people from Xbox Live
JohnC wrote:but Microsoft can easily issue a permanent hardware ban for each console for any reason.