Alpha pilots trying to PLEX is the problem. Don't try to PLEX as a new player. Eat the sub cost. If you grind to PLEX the game is just a shittier paying part time job and you will burn out very quickly.
telling a new player to focus on plexing their sub is an easy way to lose a player

traveling in HS is farely "safe" . Just dont fly anything too flashy and dont transport more than 100M worth of cargo as a general rule

100 mil for each 10k ehp I would say. If you carry 100 mil in charon, I would say it's fine:)