I propose, we make the Liner make it more valuable then. It is in my eye an RP ship before everthing else, but let's not exagerate it to the point it is ONLY a RP ship - that is pointless and people jsut wont fly it. Make it more costly, and people who seek profit would think of it as not so good an investment over the train.
And maybe a better armament over the liner. I mean, it transports people, not merchandise. If it get shot by pirates, 4 thousand men get killed, whereas a train, well... the crew rply speaking should be what, a dozen?