I have seen this events, just the AI needs time to build enough buildings so that the events could fire. I haven't seen an occasion when the offered money (1-2 gold) was worth the negative effects, considering the positive option with +5 prestige and +5/+10/+15/+20 piety as an alternative. I usually have to pay 5-10 or more gold to get 10 prestige or piety in events, although these events seem also modified, needing less money.
yes very low level holdings may not be worth looting, though large and great holdings can earn you vast sums of money, especially if you are a pillager.