I have many expericences with followers.
1) I made tent near ncr and i allowed Dremor to kill me and steal me almost all my tent stuff (except 30k money, because i put it into the corner of the tent and he did not found them). I was very angry until i made a revenge to him. This was in december.
2) My teamate did the same thing like me in common tent after last wipe. We lost a good amount of money, it was quite stressful, when you all night work on gathering money to new base (without bug abusing) and then we lost it, because we were tired and we did not notice our folower.
3) My teamate by mistake bring one player to our base. It was long trip, with one encouter. from NCR to our base, located near Redding. He swear that this was mistake, not intention.
4) I admit, that after my first experience, i made special tent which i used like a trap, there were 3 mercs ready to kill everyone and i killed 4 tent thiefs there.
Problem is, that until you have same experience like me or other victims, you dont think that this change is neccesary. Imagine situation, that you are not only playing this, but like me, you are reading book, watching TV, cooking, talking, keeping and eye on kids, ... . Then you will be very angry and maybe it will be the last reason why to leave fonline (like my other friend left game after his tent thief experience). This kind of robbery is allowed only by this game mechanism combined with tiredness. I dont realy think, that in real world, you will not notice that you have follower IN YOUR group. I can accecpt it, only if this will be special game feature like proffesion base on some skill,... .
I hope, this will help many players (except tent thiefs/robbers).