When I was on the staff team before the server shut down we had issues with people RDMing civs in Rasman and claiming it to be a planned terrorist attack. In the end it was decided that the portion of the rule that mentions planned terrorist attacks only applies to accidentally killing civs while attempting to kill Blufor.
I understand that it is realistic to plan a terror attack that targets civs without warning but you should remember that everyone wants to have fun on here. While it would be more realistic it would not be more fun for the player base. Allowing people to be able to steal bank info and access other players bank account would be realistic but it would not be enjoyable. In other words, just because something is realistic does not mean it should be allowed.