Incorporate the given image "https://www.example.com/images/cursors-banner.jpg" into the HTML code for the homepage of a website selling custom cursors. The banner should be centered and responsive, with an active link to the Cursor Collection product page that expands below it in a mobile-friendly way. This button must also have a hover effect when users hover over it, changing its color to #005213 (or as close as possible) but remain legible at smaller screen resolutions. Additionally, integrate an interactive feature which allows customers to preview different colored backgrounds and sizes before purchase. Make sure your design is accessible for visually impaired users by providing a high-contrast option for better visibility. Ensure that the banner image resizes responsively based on the device screen size and remains responsive, while maintaining text readability with the use of Customize Your Cursor Collection. Ensure accessibility complies with the WCAGAA guidelnine-point font, a minimum contrast ratio that should be tested by users who wear glasses. Furthermore, incorporate user ratings and reviews directly below your title section. Ensure ADA (Americans with Disabilities Act) compliant for keyboard navigability, include lazy loading functionality for the images to improve performance on mobile devices, and use hex color #0020F6 as an accent in every other text element without repeating it unnecessarily where unnecessary.