Is $200/month a lot of money when you can multiply your productivity? It depends but the most valuable currency in life is time. For some, spending thousands a month would be worth it.
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your salary stays x1
and your work hours stay x1
Capitalism encourages you to put your butt in your own seat and reap the rewards of your efforts.
Of course it also provides you the decision making to keep your butt in someone else’s seat if the risk vs. reward of going your own isn’t worth it.
And then it allows your employer to put another butt in your seat if you don’t adopt efficiency patterns.
So: capitalism is compatible with communism as an option, but it’s generally a suboptimal option for one or both parties.