tips about making several admob accounts

hi , i have used admob for 1 year and i am really happy with them , and i would like to make several account on admob (not for me but for my friends) and i am afraid to abanned those accounts , is there any good way to pass this ,
if i choose western union payment method rather than my personal bank account did this will be good or not thx in advance
P.S: the first account i didnt create it

There are lot of threads through out the forum discussing this. Please do a search.