There is no need to steal anything if you have Lucky Charm.
Pile of bones -> oh, magic ring, so cool!
Random box in dungeon -> super hyper legendary staff, yeah bring it on!
Whole my game I only used thievery to open locked doors / chests. Not to steal from anybody, because it conflicts with my ethics.
Of course you can steal and get rich, same as real life. But it's role playing. Do you want your party of "heroes" to be robbers? Are you walking path of Divine on blood of innocent and cry of traders children, because daddy lost his money to "heroes"?
