POV: You're just trying to complete your missions and a loot goblin ruins your day

Storytime: I killed a guy by the Cafeteria and this guy decided it was his loot to take. I even warned him to drop the loot. He didn't even move until I threw the Molotov. The game decided to punish me instead of him with an 800 merit deduction. He's not even dirt poor by any standard. I don't understand the loot goblin mindset these fuckers have. It's like the devs encourage players like him by punishing players who try to do it right.