My thoughts exactly. :-)
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Well to curb abuse simply make a loot penalty like you do now. TH10 sitting at 200 trophy getting 'next' by a bunch of low level players wont be that much to begin with. Then add in a loot penalty similar to a TH10 attacking a TH4 and it would be next to nothing.
Also they could either add the funds to the clan castle. That way it would be a lot more limited on how much you could get.
I am sorry to read this is ruled out, I did a search and did not see it but figured I could not be the first person to think of this. Either way the idea has merit and just needs to be expanded on to prevent abuse.
Keep those funds in the game!