No penalty ? Are you prepared to see advanced TH10 (Penalty : 75% less loot vs TH7) coming and destroy your village juste when you have your 1,999,000 gold and ready to upgrade your TH to lv8 ?
You want them... to be able to steal you : (i'll keep things simple)
2*20/100 = 400k max, instead of 400*0.25 = 100k ?
You're thinking on what the loot penalty prevent you to do ... but not from what it protect you.

