It is basically impossible to be banned at all from playing payday 2. The worst you can do is equip invalid stuff, which marks you as a cheater and most people kick marked cheaters.
Rutracker is very specific in what emails it allows. Emails on my custom domain were already banned, I think they have a whitelist of email domains. I just ended up using my Gmail address, but yeah if you have a protonmail or own domain address I’m guessing you won’t have much success. You also might need to click the email validation link that ends up in spam.