You can just ask to loot stuff. Chances are whoever you're asking will even help you out more if you're looking to kick start your newbie career in p99. I do that when possible, at least. You can also just loot inconsequential stuff like fine steel if it's rotting, nobody will petition you or ban you for that shit, you may at most get a warning if it's even noticed.
However, if you loot a rare quest item, or something which you definitely know is important/valuable/rare (even if you pretend you don't, like OP,) then you will get smacked for it. It's that simple.
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