How would you feel about loot-able caravans? They would essentially be like enemy patrols except they would be guarding a treasure (chest) which could be plundered if you manage to kill several mini-bosses who guard the caravan. But how difficult should it be and how rare should these caravans be?
Another possibility could be a competitive multiplayer mode where Guardians from one faction had to transport and defend a treasure/item from one side of a world map to the other to that factions base. However the guardians from another faction would have to hijack the caravan and bring it to their base, but now the first faction would have to try to take over the caravan again.
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I still can't go to the dust in BL2 without raiding the caravan every time. However, I would think that in these should probably be controlled by enemies instead of civilians, seeing as how we're supposed to be good guys. I imagine that there will be rare opportunities to get a bunch of loot very easily, even if it doesn't take that specific form.