[Zakizo]

Even ruling out emotion, whether the risk outweighs the reward is still up to opinion in this situation. You apparently think the reward outweighs the risk, and Dev apparently thinks the risk outweighs the reward. "Addressing the problem on a personal level" suggests that he should leave the rule out, but refuse to help people with account issues at all since he wouldn't be able to do so with peace of mind.

As for which would be more useful for the larger community, that would depend entirely on whether the majority would like to know that if something happens with their character/account (and things happen often) that Dev would be able and willing to help them, or if they're that obsessed with being able to share their account with other people. I think I would prefer the former to the latter, because if my house explodes I would like to know I could have it restored. If my character explodes, I'd like to know I could have it restored.

You're basically asking Dev to walk away from handling any problems that occur with accounts so that you can have other people play your characters, or so that you could play others'. I'm not sure you realized the magnitude of what you said when you said that he should address this on a personal level. He created the game, so as long as he plans to develop it, he can't walk away from its issues. It's already personal.