As a player that has acquired his 10 ships through a combat focus, I have found no trouble paying my way. Admittedly, I have no interest in the large pad ships, but I can have any ship I want. My experience shows me that combat ships, on the whole are less expensive with respect to 'hull' costs. I can make pockets full of credits on a 3 to 3.5 mil credit re-buy. I don;t see much risk at all.
At this stage, I agree, there is no risk now. I need to be flying an unengineered ship to have a npc drop my shields. When you're coming up the ranks however, it is going to be quicker and easier to buy, outfit and engineer a Python that can haul 180t of cargo and not do much else than to have an effective combat ship to do assassination missions against a Corvette.
The other point is, whilst you're happy with the money you make I could use a trade Python to earn 10 million far quicker and easier than I could doing any form of combat.