> This might come as a bit of a surprise to you

> So if you are astonished that people optimize for their financial gain, that’s concerning.

I’m not “surprised” nor “astonished” nor do you need to be “concerned” for me. That’s unnecessarily condescending.

I’m simply explaining how these generous policies come to and end through abuse.

You are making a point in favor of these policies: Many will see an opportunity for abuse and take it, so employers become more strict.