I don't know what "Chemka Locken had in the previous game." I just need to compare the "adventures" of Genza and Ushumgall with Erika to understand what's what... Some get money, "three companions with a shared pool," free gear, "friends from the past"... Others get "roadblocks" in the form of "shuffling papers in the middle of the day" (to make it as difficult as possible to unlock a talent), "sleazy stuff with corpses" (yes, they didn't end up stealing them, but that's not the point...), and now a theft right in front of their eyes (literally): the character stands there and watches as someone "subtly" steals an item they are currently interacting with... Neither the first, nor the second, nor the third has any logical explanation. Everything is fair and just, right?
Brother... firstly, try to guess where the items on the Sugara market came from (spoiler - they were stolen in the previous expansion during the tournament, and these were the highest-level epics, not just a scanning monocle - BUT, there was a fair chance to get them back for free, it just wasn't possible to do it at the moment);
secondly, if you only knew how much I would like not to be responsible for the "three companions with a shared pool" who clearly didn't contribute to the cause, and are generally uncontrollable. Believe me - ANY "companions" provided by the GM, i.e., not those whose actions you personally describe and role-play, are a pain in the ass. It may seem to you at some point that everything is fine, but this can change at any moment with a snap of your fingers... (-800 reputation in one moment, complete ruin of the mission - a direct confirmation, and in fact, there were dozens of such cases)
and thirdly, in general, there is a situation where, even with extreme caution, you will sooner or later encounter some unfair/unpredictable difficulties, which may make you angry at the moment, but as a rule, a calm attitude and overcoming them can bring you benefits that you didn't even expect. Just like in life...
so don't worry, either there will be a collective wipe, or something individually inaccessible to the rest of the rabble who could not go through the same exclusive path that you went through.
Cast aside all doubts, and plunge headfirst into the abyss of uncertainty - it is this kind of life that allows a brother/sister to reach the peak of their destiny without irony.
Material things are fleeting; spiritual things are actually important. Don't chase numbers, do what you have to do and let whatever happens, happen.