On the other hand, my Lane Hacker was taking missions with her Stiletto that had nearly $70k payout, for a simple base elimination in Cortez. I was in, I was out, I was paid. When they required me to kill the ships, that was another $7k for every Bounty Hunter.
That said, I do agree that there are problems, and have mentioned it before. It's worse for the lawfuls, as far as I can tell, since they don't have the really high-paying options for ditching their captured pilots. Some of us are just lucky and have the easy options.
And yes, the regeneration needs some serious reductions. Also, the ships need to be only using weapons that the ship actually can! I'm tired of seeing Startrackers with Class 7 Flashpoints...