i feel like deleting character should take more than just entering character name

[Kaethra]

I imagine the current system of only protecting your characters from outside deletion through the account login, to SE, is a deterrent to sharing your account with someone. Particularly for dubious reasons to share the account if trust is an issue.

I think that's a non-issue. I believe FFXIV doesn't allow for account sharing outside a minor child who's parent pays for the account.

We're talking a bannable offense here if you let someone else play on your account.