About rules completely restricting players behavior, I have completely different opinion on that by the way.
Restricted games are boring games. The more freedom the game offers, the better, the more fun, and more possibilities for people to play with.
People that want complete safety everywhere, so that noone touches them, should honestly just play single player offline games. There are plenty of very nice single player RPGs.
Whoever wants to play online and share the world with other people, should realize that different people like different play styles, and world has to be made in such a way to allow that everyone can play in the way that he likes, and not that entirety of a game is made to one single players specific likings.
And devs are already doing great job about that creating 3 different planets with different rules. And honestly if Arboreus is not enough for you, as a whole planet that's peaceful, where noone can touch you, that's your own problem mate. I don't know what else to tell you.
On other 2 planets you can get killed and your "stuff" can be stolen. You will just have to deal with that risk if you will want to travel there.