Then you are not calculating your risk correctly. If I can fly for 50 hours without seeing a single player, then the risk of me losing my cargo to a griefer is not very high.
Also, depending on the ship you are running, a couple of days worth of trading is easily a couple of months worth of flying around in any other profession. You can easily make 1mil credits an hour in a type-7. You can maybe make 300k an hour camping resource extraction zones, and that's the next fastest way to make money besides trading.
Trading is by no definition of the word "risky" if you simply fly out to the boondocks and set up a trade route there. I've only changed trade routes 3 times and that was because I got bored flying to the same places over and over. I wanted a change of scenery.
My experience shows me, I get killed more often trading, even when seeing considerably less humans than when doing combat. Are you saying that for me trading is less risky than combat, even though in trading my losses are more often, and greater, and it only depends on how many humans I encounter? Does this mean that the past has no business in my calculation of my own risk, and only the future potential for meeting humans?
I get attacked about 1% of the time from humans in my combat ship, I get attacked about 50% of the time in my trading ship, is this something I should consider in my risk assessment?
Also, I include attempting to get behind me in super cruise also an attack, should I disregard that?
Should my risk include the consideration of return on investment, or money at all? I go out in my viper and do one bounty for 10k, and my viper is almost 100k to replace, thats 10% ROI, I go out in my trading ship, and make 500k in one run, and risk about 15 million to replace everything, thats about 4% ROI.