I think here comes in the high time preference.

If they want to pay extra fees, they can.

I think they can't create brc tokens into infinity, therefore they can't keep the fees so high.

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Bingo.

I also joke that fridays these spike because there’s more payday loans going out. Might not be that far off

They can but the ability to scam will depend on demand. They need the start of a bull market or actual bull market. So it will probably be dormant during bears and lively during Bull markets. RIP to all those that get scammed into these things. Purists think they are paying fees this is fine, ok but that is going lead a lot of people to use shitcoins first because the fees priced them out of BTC. It's good though because forces us to get better with unboarding on to lightning and find ways to optimize on chain space. Look forward to next really high fee sustained environment its going push improvements and possible future innovation for scaling.