You have signs on the roads telling you what the laws are, speed limit, stop signs, no left turns, etc... If you ignore them you can be fined.
You're not seriously suggesting that all crimes have signs warning you against them around the world are you?
The "Don't murder" sign is a big favourite of mine, up there with "No rioting" and the "No violence" signs.
No, an exploit does not need to be underlined and whatever else in the client loader for you to get banned for it, and this is for any game.
Example?
EvE online, a player (Monkeysphere) in a hgih ranking corp (Pandemic Legion IIRC) had an exploit that allowed him to not show up in local, effectively making him like some kind of phantom killer. He did it for a while, then got banned. And, when i say a while I mean a long while. No huge sign on the client. Another example? Sure, same game, dropping tons and tons of canisters around gates to effectively massively hinder those entering the systems ability to react to danger through increased latency has led to some bans. Its an exploit, but again, not on client. In fact.
I don't know of any game that keeps a list of exploits in its clientloader. I'd be interested to see.
The claim that people don't visit forums is a void one; an exploit is described as something that goes against intended design of the game. Bypassing decay and fap costs using a vehicle falls squarely in this zone if the player uses their head. Otherwise, why is the armour and guns even in the game, why not just use vehicles. Remove faps too.
The game may be evolving, but think. Just think. The point of vehicles was to bypass large distances, sure. And that may have made WH chips less usefull sure, but, that was the clear intended usage of them. Usage of vehicles to hunt mobs far above ones level...does not make sense from any HONEST/NOT-STUPID persons point of view.
This is a "quick" fix though. The second the mob has been shot with a vehicular weapon it is non-lootable, much like those killed by turrets.