Its oorp to ask for money when "raiding". Everyone does but it goes against proper RP.
1. If priates/criminals had your bank details they would wipe them out compleatly.
2. Most traders don't own there ship, they belong to a larger company (i.e Like lorry drivers) so they would never have 2 million on them as they wouldn't even get payed that
3. Even if they owned there own ship they wouldn't carry around a "bank card" with them that had millions on it. (They would most likley setup the deals via secure channels from a planet where there base of operations is, not from a ship)
Asking for money is just a way for people to get extra cash, it has nothing to do with RPing. When there is no RP behind it, its pritty much PVP.