S
Sunseeker
Guest
Hrm... Yeah, S'mon, totally my imagination.
I understand the objection to being captured by overwhelming forces and being forced to escape with nothing but the skin on your back being objectionable in that the DM is obviously trying to take your stuff.
But bandits are a fairly regular thing to lower-level adventurers to encounter, though usually they are setting a trap for someone else or some such. Shiny adventurers with lots of gold are IMO, fair targets for such people.
I'm not suggesting that the players should face someone attempting to take their stuff at every turn, only that getting nice stuff means you attract attention. Eventually bandits will pass along the word to their fellows that these players aren't to be messed with, at which point the adventurers might be out for revenge against these bandits that have so accosted them, and find the bandit secret lair and thusly their trove of stolen goods!