Hi Gary,
i've some experience with AdMob and i can tell you that YES, if you mess up with test mode and you click on your own ads you get banned very soon, and you'll not be able to recreate another account on your name anymore,
so be very careful with this and do all the tests on test mode before switching to "production" mode
also read carefully the terms and conditions for use of AdMob, you've to use their sdk and they don't want you to show ads in a webview of the app,
i still didn't understand fully how your method of AI + admob is working but if you have the ads in a view and below the app created in AI we should cope with admob T&C
if we have two choices, on top the button of the ads and below the button to run our AI application then this might be seen as "encouraging user to click on ads" which is severly prohibited.
I hope i cleared things up a bit, i'm very happy that you're making progresses so fast on ai4a, it's really an excellent project :)