Striking without pillow (closed fist / kick / etc.): warning → point deduction → DQ; Hitting opponent while down: point deduction → DQ; Hitting after the bell: point deduction
Why people argue about this
People often argue that they can get away with hitting their opponent without a pillow if it's just for a split second, thinking it won't be noticed or penalized. However, the confusion arises because this rule specifically states striking without a pillow results in immediate disqualification (DQ), not just a point deduction after being warned.