If you're asking if it's cheating, then you're obviously worried that it might be. You might want to try the 20/20 mod, which reduces lone merchant encounters to almost nothing.
Still and all, if your not playing against someone else or in a campaign, you only have yourself to please. Sinking a million tons while playing on the easiest level would still not really be cheating. Bragging about how good you are at it might be pushing things a little.
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