It is indeed a powerful force and I'm sure we all succumb sometimes.
We do have to stop the begging because it does, as you say, ruin an account and the reputation is so difficult to restore. Plus the accounts are not so easy to come by now, there's a wait to get approved and I think that's a good thing in a way because the more you tell them 'No!', the more they'll want it.
If everything is easy to come by, it loses value.