If those people are marginalised why not make organisations that help them get into programming?
When you think about stereotypical programmers, you usually picture a white guy somewhere between 30 and 50 years of age (at least in Europe and I presume the USA). Coding used to be a profession that was predominantly made up of women but when it became clear that it would become an important job more and more men became interested in IT so that now there are about eight male programmers out of ten.
Black people have similar issues (and god forbid you are a black woman) in that they often are paid worse for the same jobs than white people and have worse chances to get good secondary education and academic jobs even if they have the same intelligence as white people. Helping people to get into computer sciences that statistically have way lower chances to do so without any fault of their own is a good thing in my opinion.
I can’t be arsed to read the ToS again, but is it also forbidden to just share an account between several people?
My brother and I opened up that account six years ago and except for the times I forgot to turn my internet off to not be kicked out of games while my brother plays one we never had problems. It would be really shitty if we got into trouble for this because the account is valued somewhere between 1.500 and 4.300€ and is the most expensive thing I own except for my PC.