I highly doubt people with the capital of even 100 subs will ever choose ff14 to profit off and credit cards have much better security that before. One time passwords for transactions and purchase patterns analysis is sufficient although it does not prevent users from card info input to malicious parties. RMT unfortunately will exist because people are adept at exploiting loopholes and I believe SE did do their best so far to protect its players, better with player cooperation to not be involved tho.