Google can ban you from the program and confiscate your earnings without providing one shred of proof that an infraction occurred. They pay you what they want to, and refuse to disclose what percentage of payout actually goes to the publisher, and what if any other rules apply to this payout structure. When you sign their terms of service agreement, you agree that Google will not disclose the reason you were banned from the program, and what the payout structure is. They claim their iron fist policies protect the integrity of the intellectual property rights of their ppc network. Each publisher is more or less asked to "trust Google", because after all, their company slogan is "Donât be evil", if that doesn't merit trust, then I don't know what else will.
So... if you manage to rack up $10,000 in monthly earnings, and $3500 worth of clicks are questionable enough to get you banned from the program entirely, all earnings are forfeited regardless. What happens to the other $6500 is a complete mystery to all in the ppc industry. AdSense should be called DoorMat, because there isn't a whole hell of a lot of difference.
I'm actually getting tired of the PPC industry as a whole, it's inconsistencies, it's nontransparency issues, etc. My opinion is the industry is riddled with fraud right up to the top, differing only at who is doing it more. I'm finding old school methods of pay as you advertise on my website, much more effective and secure.