Sevenless I have to say I disagree with your statement. The idea as far as i know was never to prevent raiding as a live style but simply to give crafters a decent defensive measure.
We the players are supposed to prevent raiding by punishing the raiders (killing them). As I remember it in haven & hearth the typical punishment for a raider was his death and a complete leveling of his claim. Disorganized hermits and small settlements always had the short stick here but a large community can always defend itself.
Personally I'm glad of the debuff because it makes a raider think twice before raiding a small hermitage just to see if it has something of value and at the same time as jorb or loftar has mentioned it sets the ground for a siege style raid (yes h&h again) were the owner or owners can actually try and defend their claim in stead of logging in after a 2 hour break to find their home in ashes, in short destruction of a large claim should take a lot of time but it should also allow someone to "live of raiding".