they can ban me, I guess ... if they don't want to receive payments.
Copyright applies to the entity doing the distribution. It could be violating of DMCA though I am not a lawyer and don’t fully understand the law.
DMCA would be a violation, but more importantly, it could potentially be argued that you are copying it to your hard drive permanently when you wouldn't need to have an archival copy.
It applies to all copies. Unless you have a blanket law like AHRA that absolves you or you're doing something covered by fair use, it's unauthorized. This has always been the case since before DMCA.