Ok... so correct me if I'm wrong..
Players build a toon, then give their login to someone else and hit the road? I'm not management, but I did stay in a Motel 6. I'm pretty sure that's a violation of the TOS. However, as a player, it's a small hurdle. One player trying to play multiple toons will do one of three things. They'll slow the growth of all of them trying to keep them all up, they'll build one and the others will get passed by active players, or they'll keep them all up and stroke out from lack of sleep and exercise. In any case... hardly a problem after a few months.