Bounty Hunter = Assassin Type, hired to kill a single target that may somewhat be elusive.
Mercenary = Soldier Type, hired to fight wars and in battles.
A BHG is less likely to have a cap than a mercenary. A mercenary in a capital ship is MUCH More likely to get hired due to immense amounts of firepower, therefore a mercs goal would be to fund a battleship and use it...
And how did we get back onto limiting REGULAR players? The "cap whoring" issue is with factions, not lone players.