What about the Ohr Hachayim Hakadosh needs ‘answering’? Rav Saadya Gaon’s point was about being robbed, to which the Ohr Hachayim Hakadosh agrees (as he writes on ועשית עמדי חסד ואמת). The Gemara also mentions the idea that a Ganav gives Hashem more work in order to arrange to repay the victim the amount allotted to him on Rosh Hashanah.
As for murder, the Gemara in Chagiga says that even the Malach can at times kill without it being decreed. (Yes, I’m aware of Rabbeinu Chananel there.)