Yeah, for instance, if you really want an item, and the NPC who has won't give it to you when asked, and won't sell it and you can't pickpocket it, and can't be convinced into handing it over and what not, leaving you with the decision to be greedy or needy enough to kill for having it, that makes you a (probably) bad person. A bad person with said item.
There would be no point if one would get everything anyway.
That's fine. It could be a different set of items that are equivalent. That would have the benefit of denying those items to people who choose to fight.
But even more importantly, killing someone or robbing someone shouldn't just be about being "a bad person." If consequences are for real, then such players should suffer real consequences, such as every single soldier and law-enforcement person in the game coming for you, nobody in town willing to cooperate with you, no merchant willing to do business with you. This is the Forgotten Realms, not garbage Rivellon. And in the Realms, goodness and law prevail as the default in most places. This should be enforced against people who go on a robbing/killing spree.