If money is factoring into aeronautical decision-making, it’s time to hand in that license because they’re going to kill someone.
I can’t tell you how many people “pressed on”, flew unairworthy airplanes, “dipped below”, “gotta penetrate that line at some point” and anywhere from pooping themselves NOT in the vicinity of a toilet to having their aircraft disassemble itself over the span of a few miles over west Texas.
My previous employer had a 2 hour pay, no credit 'incentive' for extending a FAR FDP. I never accepted one in five years despite that. Spirit Crew Scheduling, at that time, tracked both accepted and declined extensions because "I can see why this information might be helpful to the Company someday," but my perusal of that data showed most everyone there hit the end (y'know, when the scientists say you're going to be tired) and went "nope."
The last one SkyWest tried to make me do, the conversation ended with: "I am the Captain, whose concurrence is required, and I do not concur." We were 1) at the end of my combined FDP plus RAP (seriously!), 2) stuck in a station with no online maintenance where 3) we had hit a bird on the way in, which means maintenance action was due, and they couldn't even find a contract guy at that time of the evening on a weekend.
Naturally, Crew Suppression looked like this for a second:
And then threats regarding calls from Managers on Duty and Chief Pilots and the like ensued (none of which transpired, as Crew Suppression gave up and went on to the next, likely far more gullible and spineless, target). They dicked around looking for a mechanic, then put us into rest around 10pm, well off the end of even my extended FAR FDP limit. We showed up the next morning, mid-morning and coffees in hand, after our very pleasant FAR minimum rest and went and did our thing.