Phil, Eileen, I understand your point of view, about merchant's scepticism. That's why I complain that on SL we are not protected at all, and are left to merchant's willing.
Off course I would never claim or even hope that a rule obliges merchant to give your money back just because you tell him they have stolen your avatar, but if you can prove what you are saying, if you have reported it immediately to Linden Lab, if they have verified they have really changed your password and connected with another IP from another part of the planet, I think we should be more tutelate, and have the possibility to ask to rescind the contract.
I dont know USA rules: in Italy if you prove that there has been a substituion in your person, or that your agreement has been extorted with violence, and so on, you can rescind the contract and have back what you have paid. Obviously if is it possible you have to give back what you have bought, if not you should simply compensate the real loss of the adverse party. On SL everything is more complicated, because you don't buy real goods. In fact, when you buy a dress, or a skin, the merchant give you simply a copy of it, and he doesn't lose it, so he has no real economical loss at all. Moreover, if he decides to sell no-transfer items, he knows he will never have his copy back. In a case as mine, I will be obviously happy to give those skins back, but it is impossible. Maybe LL can definitively delete them from my inventory, I don't know, and I will be disposed to that.
Honestly I don't feel enough protected, if anyone can force my password, use my avatar and spend all my money and I can't even try to demonstrate it was a fraud.
About merchants, I can easily imagine how many people try to cheat. However, if I were a seller, and if I see that somone who had never been in my shop or bought my products, come in the shop and, without even trying a demo, in 3 minutes spend 8450 linden to buy 6 identical skins, from pale to dark tan, I would find it quite strange...
The fact that commerce in SL is made without any rules, is potentially dangerous: knowing that, a sharp hacker could open a shop just to recycle dirty money, selling no transfer items to stolen avatars,and keeping their money. That's why I think Linden Lab should deal with this problem, and offer some chaches to retrieve the booty, to put this insidious method off.
To reply to the one who asked me about crime, yes, receiving money coming from a theft (even if you have not concurred in it) is a crime (I can translate it as money-laundery) if you know the money has been stolen. If the merchant is in good faith, and someone goes in a shop pretending to be me, and buys something, I have a civil action to rescind the contract.
Anyway after this experience I feel really unsafe. Apart from money, if it is so easy to steal a password inside SL maybe they could steal other important data, and use them improperly. :matte-motes-frown: