*How do you get 'hacked'*

Well, any person claiming to have gotten "hacked" is obviously at fault one way or another, whether it's sharing information, downloading suspicious files, or something else, unless it's a serious security breach on Nexon's end, which we know is nonexistent for now because the top rankers still remain intact. It probably comes from all the of the reasons you listed there, which people collectively call getting "hacked," even though it technically isn't.