Maybe I'm just crazy, but I don't think that a couple warriors clanking around in full plate, with 0 points in Stealth or Pickpocket or Lockpick should be able to steal everything of value from the Mayor's home.
If the real-life me was translated into a roleplaying character, I would probably also have 0 points in Stealth or Pickpocket or Lockpick. This wouldn't necessarily stop me from stealing everything of value from a home, providing the security of that home was low enough, and I used conversation to create the necessary distractions.
I think it's wrong to say that certain things should be impossible if you don't have certain skills. That would be like saying combat is impossible if you don't increase your weapon skills to deal more damage, or if you decide not to have any spellcasters in your party. Things might become more difficult, sure... but that's not the same as impossible.
Stealing everything which isn't bolted down shouldn't be impossible, even for the utterly untrained. It should, however, be more difficult. There should be a sense that, the more you invest, the easier things become. The problem I have is that a single point in Scoundrel is a pathetically low amount of investment, and it's all but impossible for things to get any easier than that.
