Just a small thing, but can add to roleplay and decoration to pubs, and adds a small game to play with friends. I think there's a mod for it called MBillards, if I'm not mistaken.
+/- Actually was just thinking about this. I see this as a good idea, except I can see this as a problem with custom vehicles since they can reach to a price of millions. Perhaps this can stick only with base vehicles?
Oh, it absolutely will need a cooldown. Have it cover the cost of a lock pick and maybe atleast $300 or so, then a randomized number of cash gained from the robbery. Then afterwards maybe a 30 min cool down?
Since you can lock pick ATMs (unless that was patched), is there any way of gaining cash (say $250-$750 plus price of a lock pick) after a successful lock pick.
I figured this could be a good starting point for criminal characters if it was implemented.