"Upon beginning your quest, you'll likely find yourself in a quaint town full of people who love it when you casually saunter into their bedroom and start looking through their shelves for items you can steal. Sure they may have been saving up that healing potion to cure their dying son of the dreaded disease AIDSarion, but by all means, if somebody else like you might want it to heal himself after battling a winged elf fairy frog king (weaknesses: lightning, upholstery), it's all yours!"
"The enemies obviously know who's a threat and who isn't. Why would they bother attacking the defenseless idiots in the nearby village which has a bank containing infinite money and armory packed with infinite items when they can attack you, the guy with the glowing orange pitchfork and earrings that somehow make you more intelligent?"
It's funny cause it's true.
(Thanks to Wolfgang.)