Ok, I have both a pirate and a trader and I try and RP (and I think I do pretty decent at it, esp the trader one) with both. Now, the issue with RPing while pirating is that while I'm typing up a chat message...the traders cruise engeines are warming up. Or they shoot me.
But if you stop as a trader, I let you name your donation (within reason). If you make me chase you I let you argue with Mr. Supernova. And then I demand at least 2million. Now, that being said, I don't tax you for the right to go through my the system I'm in (unless you're in Alpha) I make you donate, or, I make you pay for my time. After you've stopped and are not shooting at me I try and RP a little bit more.
As a trader I do not mind getting pirated. Unless you scratch my paint job and then I'm not happy with you. BUT I will use every available means to get away. This includes, Running, docking, trying to stay docked with the TL while I negotiate so it whisks me away, taking alternate routes, insuting the pirate, putting out a general SoS. If I know there is a pirate in the system I take a way around his logical hunting spot. But if I get caught I pay.
One thing that people forget is that its not a 700k cargo, its what you sell it at that you lose. And the time, and the ability to go through that system.