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I can't believe the Rift developers implemented this coin lock idea. Being careful, I used a web-mail address which is hard for anyone else to compromise, then by the time this silly coin lock thing comes up I have forgotten the password and can't get the e-mail code they send you so you can turn it off.
I am sure this won't bother everyone, but I have no doubt that game will remain relatively underpopulated when they play games like that with their users. Thank god I didn't spend money on Rift hehe.