IMO it’s one of the enablers. An important one, yes, but I’ve met and worked with a lot of straight A stupid people. Smart as f”’k but no common sense or work ethic.
First you say theyre too low. Then you say you’d pay more if you could but you can’t. If the government raised them higher like you want wouldn’t you have to figure out how to pay it??? Just pretend the gov raised your taxes.