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To opt into paying just 2% commission, simply visit the 'My Account' section of your Betfair account and select the 'Basic' rewards plan. The 2% commission rate will be applied to your account immediately and you can start making those commission savings.
For this reason alone, Betfair has no reason to ban or close your account when you should win. This is what Betfair first became famous for; peer-to-peer betting. Whilst the Exchange account won't be closed for winning, there is an additional commission rate.
Now, let's use an example of a team that is a 6.5 point underdog, or +6.5. For the underdog to win the point spread bet, they can either win or lose by less than 6.5 points. If the underdog team wins by 30 points or loses by less than 6.5, then the outcome is the same.
The weaker team, or underdog, would have a spread of +6.5 which means it must lose by less than seven points or less or win the game outright to win the bet.