Hotlinking is when someone posts a page where they are calling up the images from your server. So lets say they do a gallery that gets listed on The Hun this will use up 20 gigs of your bandwidth per day.
It sounds like you are running a server at home on a cable modem or an ADSL connection so in this case it would basically shut down your internet connection.
We all use some flavor of UNIX to hosts our sites since that way you can use these files called htaccess to control what domains are able to link to your images.
Disabling right mouse makes it hard to review your site so that is why it is banned. Actually it does nothing at all for people like me who use a Mac, but that is a topic for another thread.
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