Also, in regards to your morale response...ya, I guess that's a debate. Probably no right answer.
The way I look at it, is that it's an attackers talent, to know when to pay upkeep and when not to. If he's helping his fam by not paying upkeep, then it doesn't seem very nice to lower his attacking capabilities. But yea, no right answer I guess.
Also, another caveat. A lot of the times I respond in Ideas, I respond as a player - not as a Dev. And what I mean is that I like to thrash out ideas and stuff as well. As a Dev, I don't really have the authority to say yes or no to an idea (most of the times
). It's more to do with the players and the mods and stuff. That's for stuff that affect gameplay, anyway.
Edit: not to forget to mention that that "payout somewhere" you talk about, does result in loss of units already. So the attacker already 'does' have a penalty for the sake of eco, as it is.