Imagine the following situation:
You are approaching a station in your fully loaded Anaconda at more than 100 m/s. A griefer in a Sidewinder rams you, you get a bounty, because you rammed another ship while going faster than 100 m/s and the station will kill you. Of course it will also destroy the Sidewinder, but he won't care, because replacing it costs next to nothing. The only protection against this would be crawling all the way through the no fire zone at 90 m/s or so.
I can see why you are afraid of sidewinders ramming you. Thats because when you pirate you kill defenceless traders with no cargo. What goes around,comes around.
The more rules there are to protect others from players like you, the better!