Lallara, you're forgetting three things: Tradition, vanity, and carebears.
Tradition comes into play with Amarr. First with extensive implantation being a status symbol. Then niche things like cyber knights, some lines of tradition of which might even want to be ultimate close combat fighters just because that's what the Heir tasked them to be five thousand years ago.
Then vanity. A proficient capsuleer has available funds comparable to smaller current-day countries. (And then some have funds comparable to current-day Earth, no doubt.) Admitted, I find some excesses disturbing, if we accept the Burning Life as Prime Fiction, then specially for the Gallente these kind of things might just be available. Not practical, of course, but then again, vanity usually isn't.
And finally, the people commonly called carebears. Attracted to capsuleerdom not for the old catch of superior combat efficiency, but simply to make money. Not all capsuleers get regularly blown up. Once the tech has be deregulated (eight years + training time ago in the ingame timeline), the amount of "everyman" capsuleers has been in a sharp increase.