Unlimited accounts on chess.com?

I know it’s not allowed, and I have an authorized second account, but I wanted to ask why? Of course, if an account breaks any rules, it should be banned, no questions asked, but if I want to start over with another experiment and make a third account, I might get all three of my accounts banned from the website. Why so? Or did I understand it wrong?

That fits into the rules imposed by having a second account (not to play them against each other). My point is, if I’m aware of the rules and won’t do anything necessarily bad with them, why would I still be limited to two accounts?

One of the reasons is that multiple accounts damage the already severely deflated rating system.