I am a bit confused how exactly do you check the split when you get a join team "XXX" request. I only see 3 buttons yes, no or ignore I think they are, but hey I maybe missing something.
Just click yes, then check loot rules:
1. Damage stack share
2. Healer loot (low % maybe ok, but I always leave team with strangers if this isn´t set to zero)
3. Healer loot (if this is set to 80%+ its a scam!)
Its not always black and white, as others already said in this thread, and befor you shoot after joining a team with strangers, check this 3 points. If it is ok for you stay in team, if not just leave.
What you should consider is that in teams with strangers, items unlikely will be split. So don´t complain if someone loots an ESI and you don´t get anything from that.
Item split is comon in teams with friends.
Sometimes we agree on not spliting items, when I go with friends.
Most important thing: HAVE FUN !