You can get some reward without risk, or you can chose to have some risks while getting exactly same reward. What is balanced about this choice?
While risk is a good thing and a good gameplay expirience, who plays poker with one-sided wages?
I like to play poker, but I am not .
It's balanced because you have the same option. You aren't handicapped. Just because you take unnecessary risks does not mean other people are getting rewarded unfairly, it just means you like to take risks. Please, keep taking those risks to your heart's content, just remember you play the same game as everyone else.
This isn't poker, this is Elite, a game built to favor complete freedom. Go, be free, but please stop trying to yoke other players with your desires.
As for a "PvP" server, or a "PvP" mode, this game is built on peer-to-peer instancing. In Open you interact with a very small number of players who may be in the same system with you. That system is not compatible with the idea of separate servers. CQC was created to effectively be a "PvP mode," but PvPers don't like it because they don't like fair fights. They like clubbing baby seals, something which FDev frowns upon. So, we have Solo where the baby seals can fly under the radar and enjoy the game free from people who enjoy griefing.
That's Elite. Play your way. No one can tell you otherwise. That's balance.