Only thing need is educate people, if u don't want lose something just don't lend it!! this is so simple!!

as of your protection thing i'm completely against it, if i want something bad and you offer to borrow yours to me i will refuse cuz i want to work hard to get it, whats the point of the game if you can try everything for free???

The system in place is perfect as it is, its impossible to be scam if you are careful!

Give or sell, never lend!!! golden rule in any mmorpg games!