I also want to add this...
I have lost ships and cargo to NPCs before... Maybe I should have made that clear in the beginning... But that was, usually, after minutes of struggle. Either I tried to fight back (this was when I was in a Type 6 btw) and failed, or simply having the NPC indirect me 2-3 times in the same system that finaly led to loosing ship + cargo (I know that it is better to jump to another system in such cases), but then again, I need fuel to jump and in those occasions I would have ended up stranded in that other system, if I'm unlucky.
The thing with the fuel... I tend to optimize the fueltank to cover the distances I need to travel in a route. Again, it is a gamble; I get lighter, but, if I need to do the extra jump I am doomed...well, until Fuel Rats came about at least. This is a tactical thing that can backfire... but it all boiles down to the choices I make...
But in all those occassions it was not matter of seconds, it was a matter of minutes, and it was very clear to me that the choices I made when I lost ships and cargo were mine and I screwed up.
It is a fair challenge. It is balanced.
If Solo play can spawn NPCs that are designed to challenge a wing of players, or take out a ship in seconds, Solo play is not balanced. The NPCs therefore become OP.
In Open play, I can insist on playing alone, but with that comes a high risk. In Solo play, I can only play alone, and therefore, things needs to be balanced for that.
I see two solutions for this:
1) Make sure Solo play doesn't have OP NPCs
2) Add a feature that allows a Commander to hire wingmen (both in Solo as well as Open).
Having worked (and still working) in the games industry for almost 10 years now, including titles such as World In Conflict, World In Conflict: Soviet Assault, Far Cry 3, Assassin's Creed and the upcomming The Division, I do know how important balancing is; and... how hard it is as well.
Bottom line is: When something in a game makes a player unhappy, irritated and extremely frustrated, something is wrong. Period.
If the game can make loosing a lot, but still put a smile on the player face, it is done right.
Yesterday was the first time I experienced this with Elite Dangerous: unhappy, irritated and extremely frustrated
Previous losses I experienced was this: with a smile on my face, even though a bit irritated at my own foolish choices I did during those 3-6 minutes of epic failure in battle or escape.
I hope that this post will allow people to understand my position better.