I totally agree with you Tenacity in the idea concept, but maybe not in the strickness of the matter.
When ever I see someone with a load out of guns that doesnt make sense, I inform them, by saying "hey, your guns and ID don't mix well, it doesn't make sense"...ussually the response is, oh, sorry, i'll go change that now, and they do. If they say they have a cash flow problem, i /givecash them a few mill so they can fix their weapons loadout.
But 19/20 times(that i have seen), people have it right. And if they don't, i've never had someone argue against my logic. I try to ask them kindly, rather than tell them boldly, and all goes well.
now sure there is the option where someone could come up with a really good RP story to explain, which I'd happily listen to, but if there is any hint into it becoming a "i stole it" story, then I'd have to intervene and say the old "I stole it" story is not one that flys past people very well....
9/10 when asking people to look at their loadout and see if it fits their RP, people change it accordingly, to "make sense".
1/10 that i've encountered, try the "I stole it" story....and I kindly explain to them what I believe is wrong with that.
If they accept my idea, they change.
If they don't accept my idea, oh well...they can play the game how they want, but I won't be grouping with them.