I do sympathise with people having to put up with this crap... but mainly from the point of view that the food is so bloody awful under PAYD. It always seemed rather unfair that I had to pay a flat rate for my food and got no credit for any missed meals.
Having had JRs in my division who still manage to go overdrawn when the only outgoing that they can put down on the cheque bouncers form is their mobile phone, I wonder if PAYD might actually have a beneficial effect in the long run? In that perhaps it will teach some financial responsibility to those who lack it (of all ranks and rates). There are a large number of people in the services who are happy for the system to take responsibility for their lives and effectively become institutionalised - perhaps a dose of the real world when you're not on ops might be a good thing.
Just a thought, but I'm standing by...