l think personally you as admin should be able to enter a users profile through some form of backdoor you should not be able to see their password btu you should be able to have the ability as admin to remove links they may have placed on there profile or maybe you dont want your members to easily be able to send email address through the site as this defeats the object of having them pay to message members etc. there should be a way to stop people posting links most websites can keep your account open but make sure all links disappear so you cant advertise through your profile, it could just be me but l see no way of stopping a member putting a link in there profile in order to avoid paying for your site.
we need to look at the facts that to be able to monitor your site suspending a profile does not necessarily help site growth and how does a member know why they been suspended, just a few points to why l feel having access to member profiles should be a must