There. T0 solution. Problem solved. It is the simple way. It is the only way. There is no store, no fee to recover it. Just the inconvenience of having to go back to your home location to re-equip it. You don't want to be looted upon death? be a subscriber. You want full realism? Don't use subscriber items. This is a videogame. This is not your retirement plan into a ultra realistic virtual life. If 90% of the population will be NPCs, what is so game breaking about being unable to loot one or 2 items from a real person during probably less than 2%-10% of our interactions? I don't have subscriber flair so my shit is still all lootable. I just don't want to be able to steal someone's 2013 commemorative gun. Especially if they paid for it. EDIT: I am starting to see a pattern where a very vocal minority keeps pushing for absolutely full loot system, no holds barred. I believe this is a tiny portion of the population. I could be wrong and I believe CIG should do a bit more research on what the majority of backers really want regarding this type of subject.