My problem with the loot penalty

I want to start out with the fact the this game is EXTREMELY well designed and although not perfect has gone far enough to make me forget I'm playing a free app. With that, the only major problem I'ved had so far is the loot penalty, specifically between attackers one town hall above me. I am aware that if someone attacks you who is 1 town hall above they will recieve a ten percent loot penalty, however I strongly feel that this penalty should be significantly increased. The reason being is the small amount of skill it takes to raid people below you. Althouh there is a smal penalty, I dont believe players (especially town hall 7s) should be rewarded for attacking lower levels with a decent amount of loot after the "penalty". As a town hall 6 farmer I find myself constany being attacked by rage spells, barbarian kings, dragons and hog riders, and feel like no matter how well designed ones base is there really is no possible way to be able to defend your loot from higher level players. The biggest problem Ive had is not being raided by higher levels, but the fact that they can still take a large amount of loot in the process, and that the 10% 'penalty' doesnt seem like enough for the amouny of skill it takes to raid lower levels. All I ask is the supercel consider increasing it, as it is really frustrating seeing things like 8 dragons taking all of my hard earned loot.

I'm also TH6 and in the last 3 days in my defense log I haven't lost any meaningful loot. Only attacks have been TH snipers and trophy droppers. Having a good village layout and not keeping a lot in your storage is key to not losing a lot of loot. In my trophy range (1000-1200) there are lots of TH7 and TH8 to deal with, and TH7 gets a pretty big offensive bump over TH6 so they are a big threat. The key is just not looking like a juicy target.