this is where the game fails to cater for you. many MMO's are coop in nature, currently elite only supports player organised coop games. it does not organise it's own coop game. we have solo, group or open. all the rules support open being a free for all pvp arena
the penalties for pvp are trivial, you can pay off a fine when you're done breaking the law.
ship loss is comparatively trivial with the only significant loss being what ever cargo you had. in eve you get back about 50% of your ships base cost, if you paid up front for insurance, which is a monthly thing and if you didn't insure there is no option at time of destruction. that payout is often a fraction of the cost of better ships who's value are not from the common raw materials but the rare stuff they need to be created with. there is also no insurance for modules. eve has much harsher losses and much stricter punishments for breaking the law.
elite could have implemented a similar system. but they did not. they have implemented a system that is a lot like the dangerous areas of eve, the ones which still have laws but those laws are not really enforced.
this is the problem, the game really does cater for the pvpers with very little penalties. yet those who want coop have to share a world with those who want pvp as the options are too limiting.
as for the murder sim, roleplay does not come into it. i know roleplay, i have a halfling named thunderfoot who is my favourite character. i do not however roleplay when i play an FPS pvp game. nor do i roleplay when i play GTA. i play those games for the fun of them not to scratch my desire to roleplay. i did not roleplay when i was active in the pvp community of eve and while i will happily respond in character to any other RPer i do not expect i'll be doing much RPing in elite regardless of what i'm doing (currently bounty hunting NPC's)
trying to read motivation into pvp in terms of a character's motivations is like trying to ask a sportsman about their acting career. RPers RP, actors act. a sportsman is out there to play the game (and if it's pro probably to earn a lot of cash), they are not out there to develop their acting skills (unless its WWF).
now yes you might ask what's sporting about shooting at easy targets, nothing really, it's just when that's the only target you find to shoot at then you're going to be inclined to shoot at it. i've updated my OP with more insight on this