I believe the problem lies with the grinding credits, as a trader i used to grind a lot in the past to get where i am now with my Anaconda. And as someone mentioned, my rebuy is 20% of my bank balance, so it's not the loss that worries me, more the thought of the grind to get it back. When trading, say imperial slaves, i can add 6m to that rebuy, so 16m from 50m, quite a chunk, why risk that much possible grind in combat, when a vulture will do, whith a small cost. This is why i only use my Conda for trading, and even then i go group or solo with it. 16m loss, at say 5m an hour, is still over 3hrs of grinding from A-B. It's the thought of having to do that to replace my loss that puts me off.
But as i said earlier, i am going to increase my balance, so the loss is felt less, then i would use the Conda anywhere i like. But i will look to other than just trading too, such as salvage, ect.
Also my game time is limited to maybe a few hrs a day, as i have health problems and any longer gives me aches and pains, so this is a factor too, 3hrs grinding for me is at least a one days gameplay, or more.