I have an account with 99 range, 1 pray, 95+ magic and 40 defense, on top of that high skilling levels and 91+ runecrafting. It was fine until free trade, when some how my laptop was compromised and my account got keylogged. At least 500m worth of wealth was gone. Felt bad, but would have been far worse when the keylogger would have leveled pray or defense levels. I quit the game though. Also made a promise to myself never to play 'no items back' policy wealth based game any more.