I don't think this would be the case. If this was so, then every game such as World of War Craft which had players pay a lot of money to transfer would have the same issues with the most powerful people moving over and taking that realm. This almost never happened.
What I would say is that when you do a transfer of your account, you lose your ranking down a full title and lose the rep (since you should start over as a new face on the server) and lose 5 star rankings and a full saint title (Dominion -> down to Arch Angel).
Also limit how much coins and credits can be moved down to 100mil and tapeer it down based on your level so you do not become a mule. Limit the materials that can be carried from the bank such as cards (to 1) and crafting materials to 1 stack of each as well as the stars.
This is the way to implement this properly IMO.



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