Is DOS a game about becoming the God of Thieves? Because if I'm not stealing everything then it really feels like I'm playing the game wrong.

Ideally, every strategy in the game should have certain benefits and certain drawbacks. If I am a warrior, then I get better armor and hit harder, but my mobility is reduced and I can't really deal ranged damage, and I am very gear-dependent. If I spend points on Charisma, then I can more easily talk my way out of trouble, but those are points I could have used to improve my crafting or combat abilities.

The benefit to stealing is obvious : you get vastly more gold. What's the drawback? It doesn't really require any skill investment, and the repercussions for getting caught are either so minor that they are meaningless or so major that they force a reload. Are there ONLY roleplaying reasons to not be a dickass thief?