But it cuts both ways. Basically the ref needs to put their thumb on the scales. Otherwise you're just as likely to get a pirate when you can least afford it and now you're either dead or completely bankrupt.Shrug, this is why refs are gifted with encounter tables- for pirates just roll 1d6-3, below 1 the pirate sees or knows the ship threat and won’t risk it, 1 may or may not, 2-3 likely will.
That just either makes "the game" untenable, or simply referee fiat.