The loss isn't the issue, the issue if that you have to switch from fun PVP back to relatively unfun PVE grinding in order to recoup the loss. If you could just PVP all the time and make back enough money to potentially cover losses from that same activity, then that would be amazing.
Totally agree. I think PvP rewards should indeed be commensurate- with the the exception that there should be a mechanic to deter exploits, as in you can't kill the same CMDR within a 24 hour period in order to ensure you can't just get a group of "friends" together and get rich killing each other, or harass the same person over and over for credit rewards.