VAC only bans specific game (or all VAC entrusted games, which are not that many), not disabling access to all your bought games. Don't be so easily manipulated Anti-cheat systems are no big news. Counterstrike is propably the most cheated game in history, and they needed equal measures to counter it. Not all games use the VAC, and even if they do, you propably need to actually play that game, for any scanning to happen. Blizzard is another company that uses Anti-cheating of their own.
As for false positives, you might be overreacting just a little bit. Yes they have happened in the past, but at the same time they're incredibly rare. Worst thing i saw reported was another unintentional trojan infecting players computers, and causing VAC alarm. Those guys were given another free copies. What comes to programming games, they will never hit that alarm for sure. Unless you're doing something stupid like CSMapHack.exe, that you run at the same time as playing CounterStrike might raise their interest.
Btw, most Steam games allow all manipulation of downloaded content. Skyrim as 1 example, Valve doesn't care 1 bit if you disassemble the executable and inject your own code to it.
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