If it's insufficiently "loyal" to use the accommodation to which a pilot is entitled, prior to simulator checks, just imagine the pressure on the pilot when the cost to the company of a decision made by the pilot may be many times more than the $100.
I would have thought that simulator checks have safety implications - otherwise, why have them. Perhaps the company considers that not being sufficiently rested before simulator checks is entirely the pilot's risk? Not much loyalty being shown by the company to the pilot, in that case.