As much as i would love to try all these new games that are free... i cant help but think to myself, this is why i pay for a game each month, because if i get hacked i get every thing back. i feel for you man, if my WoW ccount got hacked and blizzard told me sorry cant help you i would sue. its painfull to loose what u worked so hard to get.
Paying's got nothing to do with it ... from what I hear plenty of WoW accounts have been hacked in the past, and the phenomenon repeats itself on Aion, and every other MMO I've heard about paid or not. Gold sellers do it because its easy money, and there are always idiots who want their money/items/xp the easy way. And you wouldn't be able to sue - the onus would be on you to prove that you haven't been irresponsible with your account in some way - and I would love to see someone do that.
Another way people get hold of GW data - or any other MMO for that matter - is by hacking into forums/fansite/any other site to do with the game - where people have accounts. These are by definition nowhere near as secure as the game or account servers - those sites have a lot of data - player names, character names, e-mail addresses, sometimes even the same passwords - and all of it can be used. If its just the same e-mail address, that can be enough - all the hackers need to do is run the e-mail past their password checkers. Those programs can rip through an entire dictionary in a matter of seconds - so just using random words are nowhere near enough. Even using foreign languages won't help you anymore.
GW password protection has one weakness - in that it doesn't accept special characters. So you're limited when you create passwords - but you can still protect yourself. Use combinations of words, mispellings, numbers and letters, mixup your capitals if you were thinking of using something like appletart (just an example) - make your password something like aPp13TArT.
Its a pain in the arse, but it works most times - even if you think you're secure because your system is clean - this is hardly the only avenue of access. Securing your PC means you've only done 10% of the job right. (Random number, but 98% of all stats are made up on the spot

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None of my accounts have been hacked in the 2 years I've played GW, or the last 7 months I've played Aion. Saying that NCSoft's servers have been hacked just doesn't hold any water for me.