While I personally am not affected by this, this is absolutely lame. There should at the very least be a feature that many companies make use of; disable purchases temporarily, sure, but send an e-mail about a suspicious login, and saying something like "We have noticed unusual purchases on your account. If this wasn't you, please reset your password. If this was you, please change your region in ACCOUNT>SETTINGS>WHATEVERITWOULDBECALLED."

Granted, this would require the ability to change your region in the first place. I understand that SE (FFXIV division to be specific) can't manage all of the systems that go on behind the scenes of an MMO by themselves, but if anything, a more direct path to the services which you may or may not be purchasing from another company seems prudent.