You can raid if any one of your government, culture, or religion allows raiding. If none of them do, then you can't.
We sometimes get people complaining when they move away from Norse (which allows raiding) to, say, Norwegian or Swedish (which do not) and then also move from Tribal (which allows raiding) to Feudal (which does not) and then also go from Norse Pagan (which allows raiding) to Norse Pagan Reformed (which does not) and suddenly find they can't raid any longer. Well...too bad.
But if someone wants to mod it themselves, by all means do so. You just need to change the looting setting on one of those things. Just don't then come back and report any bugs you encounter, please, as you will no longer have the correct checksum.