Are you working for Google? You speak with such authority.
You see, the way I set up my account was suggested to me several years ago. It is also the recommended method by Google itself.
It's not like we're the only ones doing this.
To penalize us, but allow many other businesses (and I could demonstrate this) to do this is called "selective enforcement"
Legally, Google could be in a LOT of trouble if they penalize us, but allow all the other businesses operating this same way
to do this.