I understand the speed limit. I think it's a tad too low; maybe 120? And possibly 1-2km from a station, those seem reasonable changes. But, whatever.
However, it is not always a problem of pilot error, and saying so about that is a bit disingenuous. It happens. In fact, it happened to me just now, and it's my first fine so I came looking for info about it.
I will say that the amount it's happened in my playing is probably about a dozen, more or less. Happens enough for me to have gotten the habit of yelling "get a horse!" and other helpful advice to the Authority Forces.
I'm a pretty good pilot. Especially around stations after I spent a frustrating week practicing entering, landing, takeoff and exits from stations, outposts and orbitals and crashing many Sidewinders. It's good; it helped me zooming around an asteroid belt & have situational awareness.
We've all been in RES sites where a Fed/Authority/whatever ship will decide to fly right into your line of fire. It happens at stations too. Not enough to make it a constant aggravation, but enough for me to watch the blips like a hawk.
This one started scanning behind me from above (could see on the radar) and then zoomed down at an angle to clip my rear port side. Nothing serious; 100cr fine. I was going about 120-130, warming up the FSD. Even at 100 I couldn't have avoided it, because I didn't hit it; it hit me. There have been enough of those for me to think of something to yell besides "&*%^%^$#%@!@" and other words of such caliber.
TL;DR: A tiny minority of system authority vessels appear to be driven by drunks, or onionheads...