I would like to add to the discussion that it's probably impossible to have a set of rules that can be used in every ironman wealth loss report. I believe it should be dealt with on a case-by-case basis, and here is why:
The issue of having a pre-set multiplier
Some people argue that x4 from the report in question wasn't enough. Others argue that it shouldn't be x4. I won't go into details on what the right multiplier would be for the YH report, but it's generally not a good idea to have a pre-set multiplier.
Items on ironman accounts usually take longer to obtain than on regular accounts. Early game, accumulating wealth takes much longer on ironman accounts. Generally, the more an ironman account advances, the easier it becomes to accumulate wealth. End game specifically is fairly similar to end game on regular accounts. The main difference is the grind for supplies, but besides that a lot of grinds are similar. There are also plenty of end-game ironmen who keep their dupes as trophies or for death's coffer. Grinds like CoX and ToB are quite similar on ironman and on main accounts. These two are one of the best money making methods in game. Adding a x4 multiplier to wealth accumulated with that, makes these more profitable than the minimum wage in most European countries.
Some skills that bring in wealth are also quite similar to regular accounts. 99 Agility will get an account roughly 5000-6000 Marks of Grace, worth roughly 50-60m if you'd exchange them. If you would use a pre-set multiplier of let's say x4, that would instead be 200-240m on an ironman account. That's roughly $90 in GP.
Now imagine the following scenario: I order 99 agility on an ironman account from scratch for $150. A month later the account is nearly 99 agility, so I log in on the account, steal the Marks of Grace (worth $22.50 when sold) and I blame the worker. The Service provider now has to pay me $90, resulting in me spending only $37.50 for 99 agility. Even without the Marks of Grace, this would still be a valuable account.
The issue of using the prices of the service provider in question
There are too many factors to consider to make this a good solution. A few of these factors are:
- A service provider may not offer every service that would be required to re-obtain the items lost. Some don't do PvM, other's don't quest.
- Each service provider has it's unique selling point. You may hire provider A for PvM, provider B for Agility, provider C for NMZ etc etc. If you order agility from provider B and the worker scams you for your bank, it wouldn't make much sense to use their PvM prices to determine how much they owe you.
- You can't obligate a service provider to re-do a service for you. There are lots of arguments for why this would be a bad idea. A service provider could stall the re-make, could not have the time needed to be spent etc.
Now let's say you hire service provider A to get you some skill training. A worker scams, and you lose your DWH. You've paid 200k/kill at provider B, but provider A offers this for 50k/kill. However, they don't want to do the service for you. You're now still out a lot of money due to this hypothetical rule.
The argument of price/risk
This argument implies for most other arguments regarding the price calculation of wealth lost. The higher the value of an account/bank, the higher the risk is to order services.
- Ordering 99 agility from scratch is low risk as the most the account could lose, it membership +whatever is obtained during the service. You'll therefore not need a highly trusted worker/service provider, resulting in the price being lower than average.
- Ordering 99 agility on your 2k total iron with 500m bank has a much higher risk. Because of this, you'll likely be going with a more trusted and therefore more expensive service provider. It's worth it to pay extra for the lower risk. In the event a worker screws up, the service provider is now responsible to repay for the whole bank. Assuming we'll use the prices of the service provider in question or from another service provider, it could end up in the provider having to re-pay much more than the actual cost of the account.
Conclusion
It's incredibly difficult to have a rule that can be used in every situation. These situations are fortunately not very common, but all situations are unique. I think it's better to deal with these on a case-by-case basis. A possible solution could be some general guidelines to calculate how much should be repaid. This could a decreasing multiplier the higher the bank value becomes, or separate multipliers for different categories.