I tried to look at this more rigorously, personal loot actually promotes a more robust trade economy while simultaneously discouraging cheaters and leechers.
See:
If you want a robust economy, personal loot is essential.
Personal Loot Promote Economy by the Numbers
Mathematically, we can interrogate how personal drops versus global drops affect a game economy where trading is permitted.
Loot Economy Simplified (and ignores the probability distribution and assumes average probability is maintained):
10% of all drops have personal value
10% of all drops do not have value to self but to another
80% drops have no value
Game with 8 players and 80 total …
https://us.forums.blizzard.com/en/d3/t/d2r-personal-loot-is-a-must-for-this-game/27592/205
That post is better formatted and easier to read.
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