If people know about your email, where u from, and your answer to secret question is dumb enough, it doesn't require a "hack" to get your email account.we talking about hacking (getting into hotmail database server) , not guessing peoples info[/b]
You can use d9K4<M3k5h2h9h1 as your password, it's hard to "hack", but easy to guess if people know you. Ingame, most people at least know where you are from and your msn. So they only need to know the answer your secret question, which is usually easy enough.
It's not always a "hack"... social engineering is one of the greatest threat for corporates, for example.