Just because it hasn't happened to you, doesn't mean it doesn't happen. The biggest use an account is to be compromised is for botting. They take your account and farm daily on it, sending that gil to another account that they did buy. Store it there, then make a level 1 character on your account and start advertising gil until the account is closed. Then they take the next account they stole and do the exact same thing. It really has nothing to do with your gear, and more to do with how fast they can make money off the account by botting before the account is cancelled.