As an FC you need to be willing give people the benefit of the doubt. You got let people demonstrate that they are honorable. If stuff is always locked and constrained to the max, you will never know the true color of the players. You need to be willing risk some stuff to see how they behave. Severly limit access to the stuff that you can't afford to lose, but with the other stuff be generous and see how people behave.

Have we had people take a bunch of shards and run off, yes. But we also had people who after the got their ranks demoted because of unexplained withdrawals wait a few weeks to talk to us and then explain the situation. And in response they went gathered the shards to replenish what they took, and had their ranks restored. And in the process you learn how people behave and react and become more valuable members of the FC.