A: They are either on a temporary offline account or will be banned in the next 30 days. Nobody with a main account they care about keeps that many modded credits.
If you love Forza, play the game as intended. Use the legitimate AFK XP exploits and grind the Auction House. If you absolutely must mod, buy a cheap second-hand copy of the game on a burner account and keep that account offline forever. Never risk your main Microsoft account for a handful of virtual credits. save editor forza horizon 5 free
A: Yes. Steam, Microsoft Store, and Game Pass versions all share the same Forza servers. A ban applies to your Xbox Live account, not the store. A: They are either on a temporary offline