The most recent example of one of my characters getting loot - hurt was last summer. At least 3 times (!) In our CoS game.
1st, my character Bree is an 11 yr old 1/2ling child. She's a fey, chainlock, who's patron is an ancient psuedo-dragon.
2nd) So she's 110% insatiably curious, near fearless/doesn't stop to consider consequences, & has a direct mandate to bring loot back to her patron "Scales"
(he might small, & friendly, but he's still a dragon.....).
1st) After dealing with a den of werewolves, she & her pseudo-dragon familiar gleefully helped our elven rogue shovel a huge hoard of silver coin into a bag of holding.
And we promptly got cursed for that.
2 & 3) In the Amber Temple.
We defeated a flame skull & some barbarians in an upper hallway. Laying in the middle of the hallway was a long dead guy clutching a blue crystal staff.
As I was about to investigate it, one of the other characters, looking into a room at the end of the hall opened its door.
Light poured out & everyone not immediately next to the door had to make a perception check to notice the delicious aromas of the feast set out (for us?).
Now Bree is all about 2nds, 3rds, extra meals, etc. Its joked that she can actually eat about 3x her own body weight somehow.... So advantage to my check!
This distracted her from the staff (wich I think was the DMS intent). She & the barbarian go in to enjoy.
As soon as we touch the food it disappears, the lights go out, Bree casts Light & we then we get attacked by Wraith (?).
Bree can't do much to wraiths. Initiative is rolled. Bree rolls stupid high, casts Expeditious Retreat & bolts at the incredible speed only small children can achieve.
Unfortunately she has the light centered on the end of her staff. Leaving the barbarian alone in the dark with ? # of wraiths..... oops.
As she bolted up the hallway towards the rest of the party she snagged the blue crystal staff as she passed by.
The end result of this?
The barbarian got killed by the wraiths.
The party took care of the wraiths.
Fiddling with the staff on the resulting rest, Bree failed a save & became infected with a shard of a long dead evil wizards spirit.
Oh, and there was no feast.
Fortunately the wizards spirit was able to be exorcism later, or that would've really messed Bree up.