Benji will only ban you for a reason and that reason was 3.4. When you're being gun pointed at a close distance, you have no chance of escape, even if you're inside your vehicle. If the engine isn't even started, you should probably just comply since you're very likely to be shot and killed.
If you're gunpointed while your vehicle is moving or you're a fair distance from the officer/civilian, then it's realistic to attempt an escape since you have a high chance to get away. Believe me, when you get banned it's a real pain but complaining about it won't solve anything, it will only make the issue worse.