The biggest bullshit is unlootable NPC's that just vapoohrize equipment upon contact.
I think people would actually -attack- towns like hub, if they could loot the NPC corpses of the gear they've confiscated from players.
If you could kill a typical hub guard and loot him from this session lol there would probably be 83759348938 pounds of gear on him, 80 % shit 20% decent.
There are some NPC's in Junktown for example that store it all and can be recovered... if you go by them every once in a while, check steal, you will find all kinds of players shit from thousands of caps, to have decent armor and weapons. Use an alt to kill and be quick to loot! lol.