To me personally the most important part is whether the account was lent or given. How is an account any different than a really valuable item, especially in a game where they are sold all the time? You could say you are emotionally attached to an account but you could also say the same for a deed or a pickaxe.
When you lend your pickaxe (lets say fantastic pickaxe) to someone, you have %100 expectation that it is returned to you later and the other person is supposed to be %100 aware he is supposed to return it to you later. Sure it could be considered stupid to lend your fantastic pickaxe but most things in this game is based on trust. Even if you asked another person to ask for your fantastic pickaxe in your stead, the person who borrowed it should still give the fantastic pickaxe he borrowed. If you ask.... lets say 10 people to get your borrowed pickaxe for you without you ever contacting the person who borrowed it, you should still be able to get your pickaxe back and the person who borrowed your pickaxe should be able to tell everyone what a joy it is to borrow anything from you on the forums (while probably not going to get much support and is mostly going to be laughed at since it is okay for people to drag your image through the mud because people usually dont expect it to be done to them) or anywhere else. If someone doesnt return something they borrowed, it is only natural that nobody should trust that person with anything.
When you give your pickaxe as a gift to someone, then you dont expect to ever have it returned and the person who received doesnt think you expect to have it returned either. That is why it is a gift. When you receive that pickaxe, put some nice runes on it, slap a 100 imbue on it, get it imped to 99ql etc. you do all these while you are certain that the pickaxe now belongs to you. If I started contacting all the people who I gave a gift to and asked for all the gifts back, I dont know if every person would give the gifts back but I do know that every person would think much less of me to say the least and know that none of them would be obliged in any way to return the gift. Do we ever go and say "Oh this -beep- faced piece of -beep- didnt return the pickaxe his friend gave him as a gift a year ago!"?
Now if I wanted something back which I gave as a gift to someone and instead of contacting the person, I told everyone about it, ask people to contact the person in my stead, got the GMs involved and when that failed I went on the forums and name and shamed the person saying I gave it as a gift but I want it back now, I guess I wouldnt get much support. The most positive comments would be from those who just laugh at me. But what if I did all that but instead said the person borrowed it from me..... that turns everything around for me doesnt it?
Now if I let the person borrow the pickaxe, contact the person personally on anywhere I could.... stating that I wanted my pickaxe back on my messages, got no response, tried to have other people to contact him to no avail, got GMs involved and failed, started a name and shame topic, I would at least post a picture of my message/messages to the person with the date, state in my first post that it was borrowed and not given back and the person who borrowed is not responding me anywhere and geting other players and then GMs involved didnt help either.
When you think it is better to write things like "my characters were stolen", "I was a trusted member and a champion" than actually writing the conversations that took place (if you dont have any documentation of them, then at least as much as you can remember) while you gave the accounts, the ways you tried to contact the person who borrowed and what you wrote, that it was borrowed... it doesnt look good. It doesnt look good when you dont oppose the things the other person says to defend himself either.