What about smugglers and assassins like myself? Before the bugs kicked in that's how I made my money - assassination and doing smuggling runs for anarchistic organizations. I think that people who want to play PvP pew pew pew are a terrible problem in Open and ruin it for a lot of others there, but I don't think making crime unplayable is anything close to an answer. We want lore-friendly pirates in the game.
I would think that smuggling would be more tolerated than piracy as it is a victimless crime so insurance revocation would make no sense in that case. As far as assassination goes, well I guess that all depends on who your target is and where it happens. As your target would not be a member of the Pilot's Federation my guess is that they simply would not give a hoot, therefore you should suffer the normal penalties if it is a clean target but no insurance loss as the Pilot's Federation simply wouldn't care.