Last year I did over 800 hours in short haul.
None of it was asleep in the bunk.
Money has absolutely nothing to do with the forced draft discussion - it's about having time off work to relax, unwind and share your life with your family ( instead of down route with some arsey tw*t who reckons 'a First Officer is an apprentice' )
Those concerned about money have the facility to volunteer for the extra work and empty the pot.