Like ricers, the term carebear really depends on the person saying it. Me, I use it to refer to the people who pay all this money to play a multiplayer game... and then get all cranked off when they actually have to interact with other people. Like "oh noes, I can't do everything in game solo, this is bs waaah"
Or "I should be able to fly through the most dangerous parts of space without any problems."
EVE is unique in that for the most part, PCs provide the element of danger and competition, not NPCs.