Zyru is completely correct, all with glorious caps.
How about just making certain blocks automatically lock NPC parties from Multi-party areas since people can't take two seconds of their time to mash their hands on the keyboard for a password and click a check box before starting a mission? Do this in conjunction with an update designating certain lobbies as NPC areas.
I lock mine all of the time when I bring NPC characters. This takes no effort to do. If people can't do that then something simple like what I said above would work, no? Everyone needs their hand to be held these days...
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