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Things someone can do if they steal your Kobo
1) Read your books
2) Move your books to archive status
3) Buy more books
You can instantly prevent number 3 by removing the credit card on file. Once that is done there are no funds tied to the account.
You can (very likely) prevent 1 and 2 by contacting Kobo and letting them know. They certainly don't want you to not be able to easily purchase books, nor for your account to not be secure. As I've stated they should be able to blacklist the stolen Kobo using its serial number. So the person may be able to read the books on the device, but they should be prevented from archiving anything and receiving new books you purchase.
Adding a password feature as an option to the Kobo would be a step they could take to prevent this. However these forums are user forums. Kobo occasionally might read them, but generally not in an official manner. As others have noted it's best to take your fully realized and explained issue to Kobo. Giving them as much detail as possible, rather than assuming they can connect the dots with your concerns.
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