How would someone gain access to your character accounts?
By making the accounts available (not necessarily on purpose) to them on the forums or by them somehow taking them off your computer.
If someone rips you off, do the admins help you fix things and punish the offender?
Yes.
How would someone gain access to your bank accounts?
By making the accounts available to them (not necessarily on purpose), either on the forums, ingame, or because they guessed it.
If someone rips you off, should the admins help you fix things and punish the offender?
Yes.
Let me put it to you this way:
Leaving your car keys on your dresser at night is like having an easy bank code.
Trusting someone with your car keys and them stealing the car is like trusting someone with your bank code and them your money.
No this is not your fault if they steal it! When you give something like that to someone, you do it with conditions. When those conditions are broken, then they are in the wrong. If your buddy sold your car after you lent it to him so he could "run to the store for milk," would you just say, "Oh well, that's my fault. I guess I'll just have to start all over and buy a new car?"
Just because you left your wallet at a bar doesn't mean that it's alright for someone to take it.
If you park your car on the street, that doesn't mean that it's alright for someone to take it.
As long as we're calling each other names, I'm gonna call you juvenile. You want to know why? Because just like a little kid, you think "finders keepers" applies to everything.
Of course credits aren't real money, no one would play Freelancer if they were. The reason that credits have value is because they take time to obtain. Money is not the only currency in the world. It can be argued that time is much more valuable because everyone has a finite supply of it, no matter what.
Now that I've successfully rebutted all of your arguments in such a manner than all you will be able to do is repeat them again in a rather moronic fashion, I'm leaving this rediculous argument.