@bagder I mostly agree 'the others are being paid so why not me?':

The post before is a kind of bigger perspective to consider since all money as quite bad or becomes bad though bad lenders and re-lending process quite a mathematically broken / false / imaginary.

So on a virtue-signal level just for this conversation we'd give people a pass for paying some and not others (assuming all are quite rich and it's the overall cause we're trying to score high in while not paying banks to get bigger).