People often have a hard time making differences between IC and OOC, we've seen it and discussed it many times before. However, there's a fine line between taking advantage IC of another person and actually ruining the fun for the player on the other side.
I guess things like taking someone's stuff because they dropped it carelessly can be justified IC but if that really bothers the player you took it from is it really worth it? I'm not saying don't do, I'm saying do it but keep it all IC. Take the stuff/money, then return it if you see this can escalate into an OOC issue, but RP that you still have it or offer the player a chance to take it back IC as well. Unless you actually care about taking advantage of people for real I don't see why you actually have to ruin someone's day.
To me, the most important thing is that everyone enjoys playing the game, be that RPing or doing whatever they like best. That usually helps me with my RP when things get blurry between IC and OOC and I've never had an OOC problem with anyone (so, it seems to work). Nobody's fun comes before that of the rest, especially when things can be agreed on concerning details like "yeah, you still got my 1m trias even though you've just returned them and my char will want payback". That way the /report command wouldn't be used unnecessarily and most importantly, RP could be encouraged.