That's not to say that I think making money is easier or hard per say, its pretty much the same as it has been, except a bit more made in combat these days.
The fundamental flaw in your question though, is that it suggests that your playstyle i.e "try everything/every ship/every trade" is more valid than a "grind for the Annie" playstyle.
So, No! You enjoy it your way and let others enjoy it their way, if they become an Annie owner with no insurance (which I'm guessing you would never be, that's their choice.
It isn't to try everything, it's to actually enjoy at least some aspects of the early gameplay. A lot of work went into the development of the early ships, and they're some fun beasts to fly. We don't ever want to encourage anyone ever to grind for any ship. The journey and the learning is the best part of Elite, and we want players to enjoy everything as much as possible. The struggle is what defines Elite, what makes it a challenge, and what makes it fun. Putting every player in an Anaconda after a month takes away all of that struggle.
I mean, come on, people making 15 million credits in an hour? that's ridiculous! Bounty hunting should really be much tougher in RES sites, and a good fix to that would be to allow police to steal your bounties. Also, it really should make -poor money until you find that big bounty, the same as pirates find that big haul. It creates suspense and emergent gameplay when players risk everything to get that deadly, ferocious pinata.
And, trading making 10 million credits per hour? Say what now? Currently, trading is a bit weird. There's no extra profit in trading with fringe and low-sec systems, as there is a min/max value on each commodity. Bah.