I don’t think you have a choice to accept a deposit or not, do you? You can’t stop people sending you coins. And sending them back costs you money so you wouldn’t do that.
And then people can keep sending to the same address. The way crypto works there’s no way to stop someone doing that I’m afraid - just how it works.
They could send it back (spending money) but you can’t stop it being sent.
the regulations apply to people that chose to do that and don't apply to people that use cryptocurrency