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Misread, and though it was his parents credit card he used.
They actually don't perma lock his account. It gets locked for several months, and the credit card that did the chargeback can no longer be used on Steam.
When locked, you can still play all your games you have previously purchased/activated. But you cannot buy any games nor activate any games for several months.
Its why we see regular threads of "lock time passed but I'm still locked"
There have been dozens of threads on that because people had the same misconceptions as you
Im using the term "dumb" on purpose. "Hey, this is a critical error message, let's not read it fully and stop when I get what sounds like I don't have to care, the rest won't be important" doesn't seem possible by thinking human standards.