Many years ago, I overheard someone at GDC say "Online games are big database transaction systems. Big banks." Last night I logged into Rift for the first time and saw the Coin Lock symbol. Your account becomes coin locked any time you log in from a new place, or haven't logged in for some time, or when they reset all the locks in the game. If your account is coin locked, nothing in it can be destroyed or transferred. You are unable to conduct any economic transaction. To unlock the account, press a button and an authorization code is sent to your email address. It's just like a bank security code system, in other words.
Rift's Coin Locks are a tidy way to enhance account security and increase the business costs of hackers, pirates, and gold farmers. Well done!