This is one way to look at it, but honestly it's also great for just having some more passive income. You can pick up a few accounts for cheap and use them solely for sig campaigns. Passive income all over the place, no scam involved.

Personally, I think that all accounts should be required to have a secret question. When the secret question is changed a 1 year notification displays on the profile (To make sure people know the account has been transferred).

Changing the password could be done for any number of reasons. Changing the question only happens when an account is hacked/bought.

Just my two cents here.