[ArchPrime]

Or maybe no one knows. ;-)

To answer what seems to be your original question regarding regulating player accounts, I'd say from a software design perspective, its going to be more beneficial to have the players create a single user account then create related characters up to MAX limit. If you're using a relational database, then you're properly normalizing your data doing it this way.

That being said, since you want to regulate player security levels on a PC by PC basis, you'll definitely need to have a field that stores that data. Having the PCs linked to the user account also gives you the benefit of easily banning/promoting/demoting ALL characters linked to a given user account.