If you are the host of those games the other people can't reload the game. You do understand how multi player games work in divinity right?
If you are a reload cheeser you will need to play with players who share your view on playing the game, if not, then you need to either play with people who share that view or you need to be the host so it's up to you if you want to reload.
So as I said, what is the situation you imagine that would be problematic for online play?
Someone being a dick and ruining your one pickpocket oportunity? Sure, that can happen. Just like someone can be a dick and cast a meteor swarm in the middle of an NPC hub.
Don't play RPG cooperative games with dicks. Larian studios will never be able to give you a game where people can't fuck with you. At least not without ruining everything that is great about Divinity Original Sin.
