Look on the bright side. Its not like the old days where if killed a person and stole their house keys you could take over their home. :-p Back when you walked out of Brit and as a newb died in like 5 seconds.. No Tram or Fel.
Hell not even as a newb... just walk out of brit and get slaughtered at the first corner by the resident evil murderous gang... .. sometimes if you was lucky you could run past the slaughter corner if thier was enough fodder already in the process of dying... and if you got real lucky you could loot one of the poor souls and get away yourself. I think my first decent set of armour came from just missing a gang attack in some dungeon and looting the dead before they came back. Of course i only kept it for about 20mins before it got recylced again. fun times... eternal sense of fear.