You pay someone to complete a quest or activity, they take down your info and recover your account on their end, then they play on your account until they complete whatever you paid them to do
I can see how thats bad. But where exactly does it end and begin? Just when theres money involved? Ive used my brother's account to do raids back during D1 because he couldnt do them.
You pay them first, then you give them all your account info. After that they notifyyou when they will get on and off your accounts so* you don’t log in while they’re doing the thing you’re paying for.