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You are responsible, but at the same time staff are supposed to help for an account that you chose to lend a friend and trusted with which is your own fault.
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Staff are not supposed to help if account sharing is something that is deemed as acceptable, this is the whole point. You can either share accounts and deal with your own problems or you can not share accounts and get banned for doing so. You'll not find an MMORPG that allows or offers support for those that are sharing accounts. It isn't about the money, it's because it is difficult to offer support for.
- Someone sells their account to another player, decides they want it back a month later. What are staff supposed to do here? It is difficult to scope proof that the account was sold. The only indication is the activity on the account, but this proves very little.
- Someone shares their account with their friend, it gets banned because of that friend. We've all heard the excuses, and the original account owner will not be unbanned for this reason. If sharing is acceptable then it opens up to a whole journey of excuses like this.
- Someone shares their account with a friend, decides to give their farm or transfer their account to someone/somewhere else. How do you define the ownership of content if the content is being shared? Again, this is not something that can be dealt with and leads to more problems.
- A newer player is scammed out of their account with the promise of becoming staff or the other popular methods. The player could be lying and using this excuse for a bad trade, or they could have legitimately been scammed. Are the staff supposed to deal with issues when doing things like this is regarded as legal?
Account sharing, account selling, account lending, blah blah blah, it is all wrong. The e-mail that you get should not say what it does because it introduces crap like the above. Mixed messaging!!