NFY = Mugging Fool... watch out for him
My opinion on all of this OMG NFY!1!one!1!1 nonsense is.... Mugging is part of the game. There is a skill for it, and there is a class for it. Advice to the numerous newbies who get mugged by NFY and then flood global demanding their stuff back: Find an RPG without #mug.
There are plenty of people in the server including myself who will help you replace lost money and/or items after you've been mugged, so there is no excuse for complaining. (Or mimic killing the mugger inside protected territory, as the case may be...)