So what if you've lost millions? It's not like it's real money.
I agree that trains should get an armour decrease, and probably an increase in how long they take to charge before cruising.
This is because a player pirate stands a better chance of killing 6 NPC trains that are trying to run away then just one PC train.
PC trains are alot harder to kill even without shields.
And your right badger, most of the newer players aren't bothered when you point out that they are unbalancing or over-powering ships, most of them aren't even bothered with trying to RP either.