As the title might suggest, being able to rob a person blind of all their possessions is pretty dang easy and I made enough to buy an apartment just by stealing a diamond some poor sap had on the kitchen counter. Not to suggest a bunch of new stuff but perhaps having to sell it at a fence or a specific type of building would make profiting from high end stuff more of a task? Maybe you'd have to find the fence first, and they could change locations every now and then to avoid being arrested? Game development is hard of course, but there are probably some easier ways to punish careless theft like reducing the player's social credit score if they stole something while pretending to be a health inspector because if I got robbed I'd immediately be suspicious of the random dude that just paid me 30 bucks to go in the back room.
EDIT: Ooh maybe if you rob peoples apartments frequently (especially if they let you in) have their friends/family/neighbors be less likely to let someone into their home/give information in general because some jerkass has been wandering around robbing people lately