When you have a large sum of gold, particularly in D & D, but are still scared of losing gear.
Players with gear fear may spend a majority of their time scamming other players and "flipping" in the trade channels rather than playing the game.
I have 65k gold, but won't play ranked "high-roller" mode. Would rather kill noobs in normal mode, so my gear will stay safe! Don't you know I have a severe case of gear fear...
When someone is depressingly horny to the point of the exhaustion.
One may experience one or more of the following:
Obsession/fixation with one's own right hand
Frequent masturbation (~5-10 times a day)
Loss of appetite
Uneven arm strength
Shakiness when speaking to women
"Yo that dude hasn't gotten play in months, he must have Slappy Syndrome"