Actually it does, the availability of different game modes and the fact it can be evaded by exiting the game and changing modes does not invalidate the term nor it's relation to griefing.
So...because the "victim" can be penalized by insurance and lost cargo, its griefing. That there are tools to avoid all of it, warnings that if you don't use them you'll get what you have coming, etc. do not change that its really all the system and the aggressor's fault. In other posts, you have also suggested that the insurance penalty should vastly increase for those committing these acts. This suggests in your perfect situation, only the criminals can suffer the loss.
I'm guessing you can't stand games that you can lose.
Killing/being killed is part of the game. if you don't choose to play it, that's fine. If I do and you're the victim, that's also fine. This game is Player Vs. Universe, players and npcs and such included. The solution to getting your butt kicked in a game is either get better at the game or quit . People who die so much they arent' having fun anymore in here are just bad at the game, and the game shouldn't change to suit them if many other people are good at it. THAT would be griefing the players who have more fortitude than a fruitfly.