I don't think NPCs should be accusing players of theft when they don't witness it. But I do think reputation scores should suffer and their attitude towards you should lower as more and more items vanish from their homes, especially when the thefts coincide with your visits. "Whenever Bob pays me a visit, all the paintings on my walls along with my silverware disappears..!" It makes sense that rumors would start to spread.
If they could implement something like that then it would be great.
