Playing a pirate in the hardcore way : no other way for me to earn money than getting booty from other ships, NPC or players. I've also decided to wipe all my progression each time I die (done twice already since official start of the game).
NPC are too easy targets when it comes to breaking hatches and collecting good cargo. There's absolutely no point earning money so easily. If I want big numbers I can play with a calculator and add million to other million, which would be as interesting.
It's a lot harder and challenging against other players and that's why I often aim at them. Frequency depends on how crowded the area I'm visiting is, sometimes none in a week, sometimes several in an hour.
I try to destroy cargo hatches and tend to leave my targets alive once their cargo is ready to be collected, or when it's obvious nothing will drop (mission haulage only or empty cargo). I sometimes forget to check their hull and destroy them in the process. Some other time I destroy them if they want to protect their lost cargo while I try to collect it.
That's a really difficult way to fight and I sometimes get some good resistance even from "easy to kill but not so easy to hatch" ships, which leaves me with more repair bills and ammo than anything else. Booty is often very light and very rewarding at the same time.
Even if I've never seen a full million on my character's account since the start of standard beta, I wouldn't swap this way of playing for easy-money trading or nav beacon camping.
Most of the chat is reduced to 'Drop your cargo' before trying to engage or trying to flee, depending of the side. Obviously, no time to lose with clunky chat interface for both parts.
Shooting is probably the most efficient, direct and expressive mode of communication E: D gives us, as obviously the game isn't the "collaborative-centric" experience that was first planned. I can't wait to see more positive interactions tools between players than actual opening fire / dropping cargo, but for now I simply use what the game offers : guns and hatches to aim at.