Gorm
Fail2ban should counteract brute-force by indeed banning IP. When an IP ban is in place, the server on which Flarum is installed will not use resources if a brute force occurs and it will remain accessible to other users.
User ban (account based) should actually not make it possible to give access to the entire forum, so it is not possible to log in. Only after x amount of time and, for example, password reset would access be gained again