Cargo insurance would be great. Either purchased when you buy the commodities or else having it as a 5% rebuy at galactic average. The former would be interesting as you could choose to fly uninsured and take the risk.There used to be a HUD element for cargo insurance - I don't remember players seeking its removal.
Never mind PvP, just risky behaviour in general. I found myself way more willing to go ham and say "you know what, I'll take that fight" when it was only my rebuy on the line and not 200 million in combat bonds.Indeed - handily reducing the adverse effects of unwanted PvP while engages in AX combat.
For a game called "dangerous" the mechanics have historically trained the playerbase to be amazingly risk-averse.