Selective ad punishment
Give mods and streamer ability to give specific users an ad break.
Limit it only to three times before real ban.
sometimes users will say dumb stuff in chat and/or something offensive instead of banning (which just causes user to make a new account or wait etc) make them watch an ad. Can be a minor punishment. And also can be a reward to spend channel points on. Give another user an ad break could be fun.
However this will make channels toxic in some cases so maybe have it as a feature toggle that a streamer can enable on their channel at will. Also could result in worse chats if they think they can get away with something. Probably better to make an a/b testing for streamers to try out and see if community is less or more toxic.