It's not so much anti-rmt as opposed to anti-freeloading, game devs letting people log in multiple characters from the same account in a subscription based MMO is literally shooting their own bottom line with a very large gun :p
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Which is why they should make it IP bound. So while we're in the exact same house, probably the exact same room, we can use our own account twice for easier muling and legal multi-boxing. That way you can do that but not share you account with your neighbor or your friend.
If they allowed this a lot of people will start sharing accounts, I have 4 friends interested in playing ARR, especially with the account types they will use, get a sub for 8 characters per server (or already have one if your legacy) and get 8 friends to play on your account, that's 7 people worth of subs SE has lost instantly.
Can we migrate an existing character under one account to another account? I have a level 50 alt that I would like to give to my girlfriend to play.
I would say not, there over all doesn't seem much point, it wouldn't be widely used and it would take a lot of work.
You could just make a new character to level with your girlfriend to play together if you want, I mentioned my 4 friends thinking of joining at ARR, I will be making at least one character to play with them.
It really shouldn't be much work to do that if the database is set up correctly, IE a character info table is linked to an account table. You'd simple change the account ID that this character belongs to. Nothing needs migrating on the back end, just a value changed in the character info table to make the character show up in a different account. One developer could turn that into an easy to use process in half a day.
I'm sure SE have other reasons for not allowing this kind of transfer however.
I will agree it does depend on how the database is setup, but I would imagine the characters are part of the main account so you will have the JoeBloggs account, in his row in the field you will have a character 1 field which could be called Joe Bloggs and then that field is linked to the characters database, now this would need the characters field moving to another account, possibly with other database changes required to stop any conflicts.
Don't forget everything needs to be tested to ensure there are no conflicts, if there are it pushes everything back.