Exactly this. They can change the economy/cosmetic scale if they must but give those who just want to casually zone out and fish or play with others who aren't regular game players an area to enjoy. Hell, take away all cosmetics in the PvE only server and i'm fine with that.Yeah, my wife doesn't even play games and she was sat watching me play SOT last night and said "I would definitly play this with you, you could sail the ship and I will navigate and we can find treasure together, it will be fun" but the second she found out about the griefing and stuff it just immediately put her off, she has seen me being griefed on the game before and she just thinks it is annoying and honestly I have to agree with her, I don't want to spend hours finding treasure just to have a group of children come up screaming down their microphones and killing me over and over then taking the treasure, essentially rendering all the time I spent playing the game worthless, my time is already limited enough these days.
I don't mind PVP in games but there does seem to be a very high level of purposeful trolling on SOT probably because of certain streamers on twitch actively encouraging it, hence why, like yourself, I think they should find a way to make it so it's PVE or at least give an option for private servers for people like us who are content with PVE.
Edit: You bring up one of the best arguments i have against SoT. It's a game that DOES NOT respect the player's time investment with how it operates. Rare is obsessed with "stories" but doesn't really reward time-in-game. You can spend hours and hours doing something only for it to be completely wiped away and swept into the ether in an instant through little or no fault of your own.