MMORPG accounts are a particularly perverse case -- they're a perfect commodity for automated exploits, there's a very high floor on value (the subscription cost), and law enforcement doesn't give a shit.
Banks here are offering SMS confirmations as a 2 factor Auth. So I can transfer money to existing accounts fine - but any new account or bill requires a code that is SMSed to a pre-set number (and resetting the # requires a SMS as well)
key fob for google would be nice though. I'd be pretty tempted to pay
I'm guessing there's no incentive for Google to care. If your gmail gets hacked, Google loses 1 user. (even though you lose a lot more) If someone hacks a blizzard account, it screws up the blizzard economy.
The screw up to the Blizzard economy will be temporarily and will be corrected in less than a day.
Why do you think this?
If by "corrected" you mean the user will get their stuff back quickly, that isn't so in my experience. Sometimes, some stuff will be restored quickly, but it might take days or weeks for some of it, and chances are that you'll never see some of it back. I'm not sure how they do logging, but such delays imply that it must be pretty human-intensive to get a record of what's been taken and restore it.
I thought you were referring to the macro level (ie someone selling all your stuff). I think from the micro level you probably lose your char but no one else in the universe is going to be affected significantly.
