The problem for people like you comes from leveling up too fast while power and gear remains growing at a much slower pace and that puts you on every strong player's radar because the system operates based on level capp so when you reach 15 levels under the top 20-50 your name is going to be shown to each and everyone of those players, in which case you should consider abandoning SS transport for coins only unless you're positive that a much stronger player is always going to be there to provide assistance. You do that because giving 50 coupons to an enemy player from a different group ultimately puts your whole group in a disadvantage because if that same player plunders you every single day you'll soon realize that you bought this person a Minato or a Nagato or he gold refined all of his items thanks to the coupons you gave up for free. Yes you can try to outsmart them by keeping a close track on the guild protokoll or guild history thing (no idea what its called in NA) and learn at around what time X player plunders and then make a decision to transport in the safest time period based on those facts to increase your chances of avoiding the plunderer or try to sneak an ss while there's matsuri or great ninja war event, or go all the way and sacrifice event participation for a good 70/30 chance you pull thru, or be the ultimate gorilla* god and create separate accounts for each guild > get accepted > afk around plunder dude in base > profit. BUT unfortunately no matter what you do there's still a huge percentage that you get mugged regardless so I suggest you forget about plot instances and start focusing all your resources on gaining power. Although I agree that plundering and transport should be balanced with each giving approximately the same benefit value but that wont happen so it's pointless to ask for change, instead you should look for ways to adapt.

It comes down to the individual, if the players in your server tend to argue in world chat and even go as far as to insult each other you should just report this and get them suspended. Plunder/convoy system is not what makes people "toxic" it's them being unable to comprehend normal human interaction...