There should be a "bandit lair" naturally spawning structure that has both naturally spawning loot, and player loot there. Say you or a player(if it's a multiplayer server) get robbed by bandits, and they really want their stuff back. There can be naturally spawning bandit lairs nearby that their stuff will be transported to by bandits, and the player has to find these, they aren't super obvious. Besides a player's items(also, player items going to the lair doesnt have to be a thing I get that's hard to code) there can be naturally spawning loot, and a like 1-5% chance of finding mithril, but there are several bandits there that you would have to kill first. Bandits could or couldn't respawn later, after the player has left, because it could become a coin exploitation, but bandit lairs would be amazing! Especially if there is good loot.