I agree with all that's said above, but that's not covered I'm the book. I wouldn't incentivize back decision making but "highest opposing dice roll" certainly can.
I suspect there are some typos in this post, and what you're suggesting is that using the "highest dice pool" rule can incentivize players to do stupid things. I disagree. The GM sets the price the runners get. If the runners are stupid enough to get a HTR team thrown at them (and it's not part of the scripted events) then that's the fault of the runners. Mr. Johnson can't possibly pay out HTR-level pay on every run just because they
might get called out.
Look at the flip side of this: if the GM is expecting the players to run into something really nasty and sets the pay accordingly, but the players manage to wriggle through without having to oppose that nasty thing... they get more money than the run was "worth." And of course, this is all based on a guideline that was implemented to make it easier for new GMs to adapt to the game. After one or two runs with those guidelines, the GM should probably take off the training wheels and make things that they want to make.
For instance, because my games are weekly, I tend to award between 5 and 8 karma per run and somewhere around 10,000¥ per runner per run. Sometimes it's less money, sometimes it's more. Money is one resource you can't ever give your players too much of. Availability, contacts, and information - those are the real gold for runners. Let's say you have a runner sitting on a cool million nuyen. That's great - but now you have to spend it. Which means you need to have contacts that can get their hands on something worth a million nuyen. Oh - your runner never made any friends while making all that money? He burned a bunch of bridges? Damn. I hope that money was worth it, since you can't use it for anything now.

The players have to really play as the characters - professional, driven, and (again) professional. If they can't be professional runners then they're probably going to end up eating a bullet or worse. The average life expectancy for a professional runner is less than a year. Anyone that makes it that far has done so (usually) because of skill and professionalism. There's a few Kanes running around, but the majority of long-living shadowrunners do so because they have learned that nuyen is not as valuable as other resources.