I suppose that any game where folks will put in years of play time creates a whole new playing field for scammers. I don't have a lot to say about it other than "yeah, I've been scammed before." It can happen to you.
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I have never lost actual money, but I can sure see how it could happen. Most MMO's have strict acceptable use policies (AUP) that forbid ever using cash to buy accounts, gold/credits, items, etc. Although, in spite of those policies the virtual blackmarket is awash in illicit goods. You can literally buy whole accounts at top "levels" with the virtual equivalent of billions of dollars for enough real cash. Just don't get caught. The trick to not getting caught seems to be as simple as keeping your mouth shut.
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These transactions happen in some obvious places like eBay, TradeMe, etc. But often they happen on one of the millions of game forums. It appears that while most game developers know it occurs, they can't devote much time to enforcement. Some of the schemes around these transactions are pretty grandiose. One site offers trade in a virtual currency called "forum gold." On this site you don't trade real cash, but rather credits... then you use your credits to buy other account goods. One step shy of ever using cash and interesting as it allows the trade of goods between games (i.e. I'll trade you my 70th level WoW Warlock for 2 top level Guild War accounts).
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All of these trades are under the table and leave the buyer with no recourse should things go awry. Some developers, like CCP (EVE Online) seem to turn a completely blind eye to blatent scammers on their own forums. CCP goes out of their way to warn players that they do not interfer in game credit transactions and offer no guarantees of safety. As long as actual cash is not trading hands, they don't care.
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The scam I fell in to was the "lottery" on EVE's own forums. I bought a "ticket" for 25 million ISK (game currency) for a chance at winning a billion ISK ship. But the lottery never happened and the 30 some players that gave money just lost it. 25 million ISK is a chunk, but not really crippling. CCP is completely aware that many (if not most) lotteries are complete scams... but they don't step in. It's part of EVE.
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My advice to gamers is, unfortunately, to avoid these dark alleys. Look around... how many dilweeds do you see smoking dope and playing the latest crack MMO while jobless? Uh huh... a lot. Well just like crackheads they need money to play and they are not above stealing it. Aside from pothead frat boys, also consider that $20 USD is large sum of money in Taiwan or China. The origin of the "gold farmer". These economies can actually sustain human beings a living wage on 10,000 gold for $50 USD. But again, once the money is in their account there can be no guarantee the gold will ever show. Plus I worry that in the secret archives of data and transactions that the dirty deed is forever recorded... a ticking time bomb to sudden account closure.
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Stay clean... Game On!
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