Update from my personal experience here. I've played for a few hours today now on my trader, who happens to be my primary character. Now, I generally don't keep many credits on that character, only enough to buy a new load of cargo. The rest, I offload into a character that I've dubbed my bank account (Really, he just sits in a starflier on Planet Erie accumulating money... Hasn't taken off once) This means, on any pirate interaction, I only have about 1 to 2 mil in my cargo hold. When I was facing pirate fighters and bombers, this was always fine, as they never asked for much more than a few million. When it comes to the capships though...
I've run into three capship pirate blockades at this point, two of them had at least two with them. I don't know what it is about the mentality about flying a cruiser or battleship, but they have significantly higher demand for credits. All three times, I was asked for more than 10 million credits, which is on average, three or four more million than I make on a single run. Two of them also demanded I drop my cargo. I find it extremely unnerving that it's cheaper to say no and simply let myself be blown up, than give them what they ask. Each time, I only lost the purchase price of the cargo, rather than that and the significant amount of credits.
There's something about flying a cruiser or battleship, I fear, that makes people ask for more money, which traders are simply not in a position to give.
EDIT: And yes, I was in a different system each time, in fact, almost in different corners of the galaxy, staying away from places I'd been destroyed.
~I once was an artist, who painted with words. Now, I am but a writer, who speaks for all~