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While not exceptionally common, there are places and areas in which things would be *very* broken if you could move through and pillage them while as a ghost. Many of these may have sections where you have to get through a hard section, but then once past, there's relatively little danger.
Yes, if we *really* wanted to, we could probably "fix" these with time and patience, but often the only way to realize something got missed is when you notice character X exploiting the bejeesus out of something that was poorly designed.
As to looting your own corpse...meh, with gear decaying right back to you, it's barely a concern. If my stuff is somewhere I'm waiting for decay, I'll just run around collecting easy things I might need until gear comes back. If it were back in the day where we're talking hoping to pit loot faster than the guy standing next to me? I'd be more on board.
Also, there *IS* that disclaimer that no-one reads...
Be careful, for even a ghost should fear some dangers!
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