Everything except magic clothes. In other words craftables should be lootable including potions, armour, jewels- but clothes no (not player crafted).
Merchants would need to hire someone to protect them so they can mine (in smith case).
They're already forced to with the current vein guardians.
Irl if you get robbed and they think your clothes are fancy they sure will take them (LOL)
We can extend your analogy further: IRL people don't RP an attack, they just attack you on sight and *yoink* your belongings. Not just that, they'd take your credit card, rinse your bank account of money and defile/rob your house dry of anything valuable!
If you wanted to walk with indys you would need to walk in a group (cuz of robbers) which again its good for RP.
With or without indies, if you're wearing auropian armour you will still need a group of people to protect you. Chances are, if you're wearing indies, you're going to be wearing expensive armour to go with it too.
Ps- i have no robber but i think the actually rules makes no sence.
Unless I'm mistaken, you were caught robbing with your mage alt a couple of years ago. Typically, robbers who have been inactive for a few years and have started playing again (i.e a few weeks ago) usually start robbing again
Edit (responding to Aznar's post): I kinda agree with you here, but I think the exception to the looting rule should be clothes- just my opinion though, nothing more.
