You have a decent argument for the most part, although I disagree with it, but this is just wildly out of touch. Some people have a negative net worth, struggle to make ends meet as it is, and would probably be using that $20 for their food for the day.
And yes, we could have people like that in the VHL. If you're struggling to feed yourself and/or a family, a sim league like this is a great, free way to spend some time and escape for a little while.