The way to go when it comes to gearing up a new character to be raid ready is to farm dungeons.
And, most people join them via RDF. There, the loot type will always be group loot no matter what.
Making it so ninja in group loot is not punishable, allows people to ruin other's experiences.
I've seen people in premade groups all need on some item to give it to their friend while the guy who joined alone rolled higher than the guy who ended up getting the item.
So, why isn't group loot ninja punishable?