I’m confused as to why the “taking by force” bit of your definition of piracy would preclude outright murder. And also why the culturally-accepted definition of piracy wouldn’t have changed in 20-something-thousand years.
Yarr!
So long story short, all this comes down to equipping a module that lets you shed some of your cargo in order to escape complete asset destruction, with the idea that this would make players less risk-averse.