tbh, I agree.
I've sent 2 big bugs like this, one Funimation and one for a dating app.
Funimation you could access anyones PII and shop orders, they ignored me until I sent a linkedin message to their CTO with his PII (CC number) in it.
The "dating" app well they were literally spewing private data (admin/mod notes, reports, private images, bcrytped password, ASIN, IP, etc) via a websocket on certain actions. I figured out those actions that triggered it, emailed them and within 12 hours they had fixed it and made a bug bounty program to pay me out of as a thank you.
Importantly, I also didn't use anyone else's data/account, I simply made another account that I attacked to prove. Yes it cost me a monthly sub ~$10 to do so. But they also refunded that.