You can. Learn the mechanics. You also can fit your ship to be immune to bumping. Or immediately stash it in a fleet hanger. And even if you aren’t aligned, you can get into warp before a criminal can land on you.
You are not helpless.
Ok, you clearly are new. There are three exhumers each specializing in different things: the Hulk is for yield, the Mackinaw is for cargo hold, and the Skiff is for defence. The all have strengths and weaknesses, and the Hulk is especially squishy. Choosing the right one for the job is part of the game.
Now the Skiff is a tough nut crack unlike the Hulk. It does take a few Battlecruisers or Battleships to explode a Skiff before CONCORD arrives.
I suggest you fly that (or a Procurer) and learn more of the game before asking for changes to it.