You may be surprised, but not every Apex Legends player has the same priorities as you. For example, I love gathering loot, and fighting is one of my least favorite aspects of a match. Yes, there are many other games about looting, but there are also many other games that are just about shooting. The beauty of Apex Legends is that it has many different paths to success, and having Legends that cater to various playstyles is the big reason why we are playing the same game despite our differences. So, if you don’t see much value in Loba, just play as someone else. She isn’t a bad character; she just isn’t for you.
With that being said, I think you would benefit from having a strong Loba player as a teammate. A well-placed Black Market gives you instant access to the best gear and nearly infinite ammo & heals, allowing you to skip looting and keep fighting. Oh, and that Care Package with Kraber that had landed in the open – it’s all yours if you have Loba on the team.