Saddened that there are some people who can only get fun out of life by spoiling others enjoyment of things, but Anoying Little [Expletive Deleted]'s like this should find out there is a wawe can take away their toys.
.
I don't know if there is a penalty ingame for committing suicide, but I hope so*. They deserve coming up against someone who is better skilled than them who can take out their shields, destroy their thrusters, then leave them to a lonely existence, never being able to reach another station or person - or to kill themselves.
.
*maybe suicide invalidates the insurance. If you can't afford to buy a duplicate ship in full, you go back to base sidey again.
.
Still, not going to get frightened out of open. And my personal experience is that I get more trouble from NPCs in solo than I have from NPCs and players combined in open.