So just factor that into your equation. Some people would prefer a ceiling, some flexibility. The point is it isn't obviously and inherently a 'scam.' It's just a different way to price and pay for things.
For myself, and it seems like pretty much everyone except for yourself, it definitely is. ;)
But, point taken. Only ~95% of people seem to consider it a scam, and an obvious one. ;)
So just factor that into your equation. Some people would prefer a ceiling, some flexibility. The point is it isn't obviously and inherently a 'scam.' It's just a different way to price and pay for things.