Who makes more money: a police officer or Wall St trader? Yes, I don't think FD have the whole risk/reward balance quite right, but I'm totally OK with profession / money-earning inequity in general. I earn less credits bounty hunting but have a whole heckuva lot more fun in the process.
This is about right. I do believe the OP has a point however. If I get interdicted by some miracle in my T6 I can just boost and warp again, never been in any real danger while trading so far. Then again I haven't come across any CMDR's that wanted to destroy my ship either. I would agree, there needs to be some sort of jump inhibitor or a longer FSD cool down to make a successful interdiction more of a threat.
I do not trade only, I also run a Viper and handle Federation combat and delivery missions. I tend to run the Viper more because its fun, trading is just to get stuff I want. With the Viper now fully tricked out I have set my sights on a Python, fully kitted for combat. Obviously I will need to trade my a** off to get it, and really theres nothing to fear but the absolute boredom of piloting a T6 from jump to jump.