I initially built the application to aab and uploaded it to the play store and the application is still in the review, if I make an apk version and install it on my phone and the phones of my friends, there will be a problem knowing that the application contains ads.
This has already been answered here: https://stackoverflow.com/a/27672444/4977439
You can distribute apps around Play Store without being banned. Your account will be disabled only when you violate the Admob policies. Some important information can be found here: https://support.google.com/admob/answer/6168758?hl=en