Well you take starter Sidewinder after all your modules all your ships are taken away and you still does not have money to cover debts. So starter ship is it and that 10 000 creds in your balance.
And what comes to seal clubbing it is just cheaper to do than blasting more expensive ships. Eventually though expenses would make it expensive hobby too.
Oh man, I can see the salt flowing from people than what you proposed is turned around. I would take my Cutter with 1% hull to the station and let it float into somebody, instant 1bil bill for them. Nobody goes by the speed limit and the ADC will get you exploded in busy stations. Seen it many times. So many fun ways to get salt. The hamster wheel in my head is spinning out of control.
Plus how does your proposal deal with BGS interactions or any other player-driven conflict. It seems to me you only play 1/16 of this inch deep game.
You still advocating for seal clubbing. How many Sidewinders can I blow up until I reach the value of a Cutter? They need some help and advise in the universe, not you in your Cutter. You should have gotten gud enough to have no issue with hostile player interactions. If not Git Gut.
As I said before @M00ka's proposal would be a good start and I would love to see something like that implemented. Everybody can play the role they want without major restrictions. You just need to mainly stay on your side of the coin until you put enough work in to change it around or get neutral. No easy flip-flopping for both sides. It would be equally rewarding to kill a CMDR in a high-sec system as running a high value trade run into an Anarchy system.