You get fair treatment - you get treated the same as everyone else. Cannot get more fair than that.
And as you seem to like the whole risk / reward set up;
http://www.jobmonkey.com/uniquejobs/skydiving-instructor/
http://www.chess.com/article/view/how-much-is-the-world-chess-championship-worth
Sky Diving Instructor $30,000
Chess Master $1,250,000
(per annum, on average, for both).
Chess must be one heck of a risk !!!!
Oh please, really?
Yes, I would not mind something like your example. I do not speak for all the Open playerbase ofc, but a solution like that (extra insurance) would be perfectly fair to my eyes.So maybe all you really need is less loss when you are destroyed by another player who initiated the combat?
Maybe some optional cargo insurance as well....
I would expect that that would be not only more acceptable to those who don't see why any particular mode should be rewarded differently but would also only apply if risk was actually encountered, i.e. your ship was destroyed.