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How would you feel, when you are asked to drop all of your cargo? Np, you lose only 500k, just fly empty and chose a different route.
But....
How would you feel if you were asked to pay 12 million credits? WHY do people go ballistic about that?
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EDIT: The only reason I can see how this works is that in the case of money piracy, the player might encounter another pirate. So let us just say that these players were pirated one lane away from their sellpoint.
Not just that. Time factors in here as well. If you ask for full cargo close to sell point - it's almost same as asking for the cost of that cargo.
If you're asking for full cargo close to starting point, it's totally different. I.e., if the trip lasts 15 minutes, and you ask for full cargo at 2nd minute, it's much easier for the guy to drop that cargo and go suicide himself, getting back to the start.
(Or relog into combat char, call friends and go hunting that pesky pirate for being a d.... )
And then there're other pirates that you mentioned about.
)