It should b like-
We should b able to draw all the items and zeni from any account, with pin number and a security question.
So tht even if our character is hacked or scammed we can draw our items from other char.
a way to stop hackers is bank zenni with a bank pin same with items and Dragon ball safe with pin
Or can be like Eden Eternal, when you make character you have to put a separate password for each of your characters. So, you log in to your account, choose your character, then have to enter that character password to log into that character. If you were smart you would use 2 different password but write them down incase you forget