Common Questions:
TAXES: regardless as to whether individuals create for fun or not, ALL INCOME EARNED is subject to tax. Where the actually income derives (where it comes from) has absolutely NO BEARING on obligations to file and report income with the appropriate authorities; filing a W9 or W-8BEN relates to exemptions or changes to those obligations therein.
PAYPAL: going forward PAYPAL is the preferred payment gateway due to it being ubiquitous (everywhere - subject to embargoes etc.).
WON'T STOP THEFT: whilst the change may not stop the theft or misappropriation of IMVU products outright, it will have a knock-on effect in that it would mean IMVU is better able to 'police' and reprimand repeat or egregious offenders; having personally identifiable information on record is in of itself enough of a dis-incentive because thieves would have to make themselves known in order to earn. It also cuts off the primary reason theft happens, the easy sale of credits through bogus resellers.
OPENS UP A BLACK MARKET FOR CREDIT SALES: whilst this may happen as a consequence, persons engaging in such activities would be doing so KNOWINGLY and at their own risk. Any losses or other repercussions are solely on the user.
EFFECT ON DERIVATION COSTS: currently the change only affects earning from Credit PROFITS and does not have any affect on mark-up values or derivation costs when submitting, both of which still require credits.