I have no problem with the loot system for sailing being like it was in POTCO.
Back then, they way loot worked is that cargo and other wooden boxes of loot were dropped as you progressed.
Gold was retained and loot chest and pouches were retained, but they were stacked down by more relevant loot, such as Skull chests and both types of ship mats.
So on a run where a pirate obtained say, 12 Royals, 9 loot chests, 22 pouches and 35 wooden crates (treasure and cargo crates - the wood boxes), 3 Skulls, 3 rare mats and 10 regular mats, their take home pay would be All the royals, all the loot chests and pouches and all the skulls and ship mats.
The only loot that would not stack were the lowly cargo and treasure boxes (which were dumped) and the skulls and mats, which did not stack and ultimately filled up the ship.
Currently, the ship locks up with loot chests, which are not part of the equation when it comes to filling the cargo hold of a ship.
Also, I have noticed that the captain/owner of the ship's "bonus" is that he/she's actually getting less gold than the crew!
(These screens were taken from the same voyage and are 2 seconds apart)
Other inconsistencies are the type of mats, which are identical for all crew mates now. Mat loot was always random for each pirate, just like the loot was
The other problem here is that loot chests were part of the loot haul which "filled" this ship, yet none are visible after porting! Only pouches are shown!
This is all wrong and needs to be tweaked back into relevance!
See pics below for these errors.