Hello,
Define too often.
Once an hour?
Once a game session?
Once a week?
Once a year?
Imho it is a pretty rhetorical question but nevertheless worth an answer

You can't break it down to just one simply answer like you suggested (which was the rhetorical part)
But basicly your question is correct and here comes balancing, self responsibility, skill level etc. Imho there are different things to count in.
Let's go back to your question: 'What is too often' (the part which is really worth to be discussed)
It depends on - for someone like me who has a lot of experience with space sims including Jumpgate 'til now it was manageable to escape the interdictions. mostly pretty easy but once it has been pretty tough i didn't get away unharmed. But i have to say, it happened while i was scooping and i did not watch my radar, so it got me almost nacked and most of the damage came through overheating.
The Cobra sticked really tenaciously at my six. And it was hard work to manage boosting, FA, setting a new target to jump out, not to be an easy straight running target....
Thanks to the Point Defence i could concentrate on this and could almost ignore the rockets.
I'm not good at fighting but the experience with other mentioned games helped a lot.
What did i learn about it, besides accepting the interdiction to avoid damage?
a. Watch your Radar
b. If there is a rectangle get out of the heat immitiatly, you can go back to fuel up later
c. prepare to run
d. keep the fueling as short as possible - take your time and set up for 'economical jumps'
What are the other factors?
a. what ship i'm in and what is it's outfitting?
All my ships have shields and i'm not going to favour cargo above shields. And i assemle at least point defence - like you mentioned it is a kind of dangerous.
Here you are (if i may guess your thoughts

) completely correct - any one has a responsibility for himself. See above!
And now we got to the AI which is given (all i can do about this - find workarounds) and which is the thread basically about.
How good is the AI and in what kind of ship is the AI.
Until now i can't complain, i always managed to run and ...... see above.
But if you make it harder you won't get to the point where you can learn, you just got shot to pieces without much a chance.
You mentioned
Ok <imho> thats correct, but there are lots of players, which think it is embarassing and fear to get nothing but scorn and derision (is this correct for Hohn und Spott).
And Elite as long term project can't afford to loose to many players it needs also the part time players which start the game pretty seldom but still are multiplicators for the game.
If they tell others: i'm not often starting the game, but i have fun/can relax/whatever it is much better than they delte the game out of frustration because of the the hard AI, which does not let enjoy them the game
This is what i'm talking about.
Like in most of the games also Elite has to be a <imho> soft learning curve.
Till the above explained i never had a fight in the game, yes i had escaped a couple of interdictions but always just Sidewinders, Eagles, and all of a sudden there is this Cobra which was far above the levels of the other ships. Somebody without the experience i have, i'm not quite shure if he/she would have escaped.
But the AI can't know about my experience!
And right here the Developers have to balance the game pretty careful.
If you're in game and not getting better at it and constantly getting killed, should you not ask yourself why and enlist some help?
Hopefully you got an answer you can get along (at least partially)
And on that note, I do recall the word "dangerous" being used in connection with Elite...... now where did I see that ???
<Imho> i also replied to this.
(Also nice to know the ranks will actually do something, so far I've not even bothered looking at NPC ranks, as they've all been easy)
Sorry but this just your point of view. And sorry to say this - some kind of arrogance.
If it is easy for you, you can't think, that it is easy for others.
And if this game is designed just for hardcore players it is a game without much future.
Ciao BarFly
ps.