@Jameow I mean, thats why you limit risk by going as a group? I mean i take risk all the time when farming stuff, and if i get ganked with 20k gold and 10 dragon souls on me, i kinda set myself up for fail.
Most peoples gear isnt going to change much based on what they are fighting. Builds adhere in most cases to specific armor sets, and you can tab between 3 different weapons to change your damage up.
What you want, is that noone be allowed to gank you, thats just not going to happen, its not feasible. In a game where resources farmed = power and strength for guilds when taking cities and such, you can bet some guilds will be looking at locking down and controlling resources. Its not even a GVG thing, preventing acquisition or limiting the ability of some guilds to get things that only exist in a specific area also turns into opening a trade market for these things.
When the games much more populated, it wont be a single solitary person in a camp somewhere for hours on end where they see noone. Someone gets ganked they are going to make noise, people will know where they are and there is no instant travel to safety for them.
you dropping 10k worth of mats vs them potentially dropping a 250K set of enchanted gear is pretty nuts.