YOU answered the second part yourself..I will answer the first part....Of course someone could sell you a buyer account with say 100 btc in it. It would be the EXACT same thing as selling you btc. But the vendor would have the information such as the password and the pin. You could always change both right away and bam..it is your account. The reason this is not done..is because it makes no sense. Buyer accounts are free and take 1 min to open. So there is no need to sell them as a package...as everyone would want there own name and information. I understand everything you said...and again I think you offered the answers to all your questions...except for is it allowed...and I answered that for you. I think your LE is a lot off and comes from a paranoid sense. And bottom line is though people are lazy...there still is no need for this. And there really is not need for the USB memory stick. I get what you are saying buy it...and I agree that someone would be willing to pay for this information to all be there...just the convenience of it....but as a vendor...this would all take way too much time and so not be worth it..Though I am sure some vendor that really doesn't sell that much could put these together...the problem is he would have no btc as the vendors never have any money. Also that would be the problem...as soon as you had an account...and say you loaded it with any amount the customer wanted....after that what are you really offering them? An account that takes 1 min to open and some btc in it? Newbies are cheap as fuck as it is...most want like 1 btc...so again... I think some would buy.....but nothing that would be worth any real vendors time. Also this has been brought up many time and in fact was actually done when there was a time no more buyer accounts would be given at that time. So there were people selling buyer accounts...but no one offered the USB stick.. Do buyers even use a stick?