A fellow blogger, Caryl, was banned from Adsense a week ago. She was very disappointed with what happened. She swear she never clicked her own ads. I believe her because I had a chat with her before and I also told her not to ever click her own ads.
I think, the key here is to follow the TOS strictly. Google Adsense might disable your account for some reasons but if you are really not doing anything wrong, sending an appeal and explaining your side will help getting your account back. Of course, if you indeed clicked your own ads and tried to cheat Google, your appeal will be useless.
I suggest using ClickAider to fully track the click activities on your Adsense ads. It might help supporting your appeal just in case you’ve been into such situation. Of course, we all hope we’ll not be using it at all.