Is it that much trouble to start an account? It's free!
I suppose if you're trying to entice someone who's just watching over your shoulder, I could see a case to be made. "Hey, wanna give a try?"
"loaning out" an account for an unrated game
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Is it legal to let someone else play a game or two (or five or six) of live chess on my account, as long as it's unrated? This is one way to introduce people to Chess.com as they may start out as spectators and think it looks fun, but want to try their hand at it before going to the trouble of starting an account.