First of all, the Coin Lock system is simply brilliant and I'm surprised no other MMO company has thought of this before, especially since it's extremely similar to what credit card companies do when they detect shady charges.
If your IP is changing and you are getting coinlocked, it's not Trion's fault. Call up your ISP and ask them about static IP options.
As for the account exploit, Trion had it fixed within hours of the white hat posting that he found an exploit and for Trion to PM him. You can find the full story here: http://rift.zam.com/story.html?story=25684
Trion has been on top of their game regarding staying on top of gold spammers, hackers, and getting lost items/gold back to those who have been hacked. Something that Blizzard STILL cannot seem to get a handle on, let alone handle promptly. All that and Trion is doing while having an understaffed CS department during one of the largest MMO launches in awhile.
I should also mention that Trion is banning credit cards, too. Especially in circumstances where credit card fraud is used to purchase many copies of the game to use for farming and spamming purposes with stolen cards. Other MMO companies are happy to accept dirty money, it's refreshing that Trion is taking the higher ground.