If you put all your characters on one account:
you risk losing all of them to a single suspension/ban;
you risk losing all your characters/gear/plat to a hack;
you risk losing all your characters/gear/plat to a "friend" abusing your password/trust;
you won't have your druid to let your "mom/gf/brother" play in 3 minute increments; and
you only have to pay one subscription fee.
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