Idk if that's even a hot take. It's something I've talked to several people about and honestly one of the reasons I don't think lemmy will end up growing much past its current user base. Too much micromanaging when most people just want to see content that interests them.
Even if you barely donate, you're donating more than most users. Everyone should help in whatever capacity they can and there isn't any shame in not being able to contribute as much as others. I'd love to see how many donations some of the FOSS purists here make haha. I bet a lot of the real toxic FOSS bros don't contribute anything.