This is how an MMORPG handles attempts to hack

[Tupsi]

I know this is the case if you do not have a keyfob. Hell using different IP's in the same state triggers it. But then how the hell are accounts getting hacked? Does the IP lockout not work on trial accounts?

It does - Which means people that get hacked are either Phished, gave out info (bought gil) or have an infection of some kind. This is why every site you register for says very clearly: "A strong UNIQUE password."