Probably the King of the Realm's guards in most campaigns, but you're the DM and can have it otherwise.Says who?
Given the demographics of a city by the RAW, the chances of accidentally robbing archmage Khelben are exceedingly slim.But I suppose they all walk around town with their level stated on their foreheads as well.
I agree entirely. You're probably best taking this up with Jurgen, who seems to believe that players will exploit every loophole in a setting, rather than attempt to have fun playing the game by seeking challenges commensurate with their level.It is up to the Player to find adventuresome, heroic things to do. If stealing buttons from the poverty stricken is what he wants, fine. But while he is doing that, the others will be enjoying a different adventure.
At what net profit does the evil kick in, I wonder?Nope, not at all. There is such a thing as fair trade. You may have heard of it. To do otherwise is stealing, and not a good act. There is a very big difference between "making a profit" and "ripping someone off". At least, where I come from.