I wouldn't mind having our own person loot chests in player houses but it wouldn't really make sense for them to just get magically refilled once daily. Who refilled it or how did the loot randomly end up in your chest every 24 hours? If makes more since to find random junk or "loot" in the water that has been dumped over the years.
There is also the option for loot trading with other players but then your opening the flood gates for noobs to get scammed out of furniture items (bricks) and maybe items worth more for items worth next to nothing so that probably wont be happening ever.