If you've been following twitter, and polls on this very forum you'd see that, what, 70% of your playerbase actually want a pwipe to happen? Sometimes you just have to nuke it from orbit. You know, just to be safe ;)
In a game where the entire economy is funded by real world money, having an exploit of this caliber pretty much IS the end of the world. It's the equivalent of someone buying out all the stocks for all the companies on the stock exchange.
I'd honestly prefer to deal with Cryptic/PWE on this issue and have the refund processed in an amicable way. Doing a chargeback is a last ditch effort when more sane avenues for resolution have been exhausted.
As a rogue there are only a few players I fear. Those players are CWs and Clerics that know how to kite. If I don't get them with my opening "rotation" and if my daily is not up, I'm probably not getting the kill.
So many freeloaders butt hurt about spending money on an otherwise free game. No one is forcing you to spend anything. In fact you can spend 0 dollars on the game and have a lot of fun playing it. I've made nearly 15M AD from just selling/reselling things on the AH.