I know what you mean, but in my experiences at least (certainly not proof, I know), even players with abominably gemmed/enchanted/reforged gear still seem to want the most out of their characters. They'll complain angrily if they're not given loot, they'll queue their LFRs every week, they'll be outside Celestials with their constantly ungemmed gear Tuesday after Tuesday. Certainly not all - there are many laid-back couldn't-care-less types around.
And when you factor raiders into it.. I dunno, I might have had differing experiences to you, but even casual raiders without a clue still seem very keen to gain additional loot via any difficulty necessary, in my experiences at least.
Some raiders are just stupid, that's all. Same in every walk of "life" I guess, heh