If you are a business owner FB will charge fees to boost your presence but they don't charge normal subscribers.
Some members call it the FB jail. I don't know if it is scammers or not but the notifications people get sure do look like they are coming from FB. And they can't access their accounts for a period of time. The charge is "Not
Obeying their community standards." And your right, the 100 bucks is is a holding amount for businesses who do something against the community standards, if they want to keep their page open, but they say the fine will reimbursed at the end of they'er ban.
It's kinda like some places are doing if you get gas on a debit card, even if you only get 20.00 worth of gas.