I thought it was alright referring to someone just as long as you didn't say their actual username. I completely believe you. I've been here for less than two months, and even I already get a strong, intuitive feeling that the moderation here has gotten much more "aggressive" than it maybe was in the past (that's actually also the case with multiple other websites I've used for longer; In the beginning, moderation and rules used to be more "understanding" and less strict, now you can get in trouble for the slightest thing).
This kind of excessive moderation hasn't ever sat well with me though. If I keep on getting banned/receiving warnings for nearly every little thing that I do here, then I don't foresee myself continuing to use this forum any further (I can imagine others doing the same).
EDIT: I wonder if talking about the mods here is also against the rules (wouldn't be surprised if it was).