Gold spamming must be nipped in the bud, never seeing the light of day. Once it shows up, it's all downhill and a losing game of cleanup that never really cleans up anything. Reporting is worthless. Banning is worthless. Choking them off before they can type a single character is the only thing that works. Zenimax desperately needs to get to this stage, period. Then the hackers get no spam out there, they get no "buyers" so there are no new credit cards or identities to steal.
All it needs is for someone at ZOS to log in once or twice an hour in all the starter town and swing the huge ban hammer to the spammers no warnings just out and out ban the accounts.
Hell if they would give me the tools to do it i would do it for free.