I tell you what, the first time I spend all day working to get some resource only to lose it before I can get to a bank because of PVP, I will stop playing. Sharing this misery by doing it to others doesn't seem like fun, either.
It's the same feeling you get when you clear 20 levels of Diablo and die, then realize you forgot to hit save. It stops being fun real quick.
I understand this can and will occur in PFO. I'm not asking that it doesn't. I'm just having the same conversation with myself that I've had along along this process: Is this something I will want to spend time and money doing?