When you dumb things down too much you run into the mistake of giving people ammunition
If phase connect generate 20 coffee beans/month (I refuse to use vbucks as a currency)
It would look more like this:
Pippa generate 8 coffee beans/month
Tenma generate 4 coffee beans/month
Lumi generates 4 coffee beans/month
Uruka generates 3 coffee beans/month
Hina generates 0.1 coffee bean
The rest cover the missing 0.9 coffee bean
Edit: I can't math
Proctor is arguing Hina generate so little it doesn't matter and not make sense to punish her. If pippa on the other hand decided to stop and you lose that 10 coffee beans/month. Things will certainly be dealt differently than the way Hina situation was handled.
At least that's what I hope Proctor is arguing, I didn't read most of his paragraphs

I'm just pointing out your argument is flawed.