Then your suggestion is invalid. You’re suggesting a rulechange that you want only because it benefits you, and you’re saying that any other situation does not matter because you do not care about them nor the impact they have on this very idea.
Therefore your suggestion is no longer a suggestion but a request to be hugboxed.
You’re running this combination of quirks at your own risk. Nobody should steal your heirloom for just no reason, but if you lose it through normal gameplay you’ve set yourself up with bad quirks of your own choice.