Exactly. Classic tragedy of the commons. What's worse, publicly admonishing the practice is considered a third rail in military circles. Ask me how I know. My position on the matter (like many social positions of mine within the military demographic) is unequivocally a pariah position. In Texas it's even worse, since the state coddles military retirees, so everybody shoots for a high DV rating in order to get the property taxes on their primary residence (TX is high prop tax since it doesn't have income tax) wiped out, which can be windfalls per month on homes above 300K.
So I just tend to my personal decisions to the degree they allow me to be at peace with the nature of my service, and keep counting the days to my active duty 20.
I suppose I wouldn't be so taken by what transpires on this side of the fence if it wasn't for the incessant and insufferable bellyaching from these same 'heroes' regarding civil entitlement and safety net programs, and all the canards that get uttered on said account. The level of hypocrisy is astounding, coming from six figure income earning dual-hatted mil/airline pilots no less. Nothing new under the sun I suppose.
The system is broken. No point in moralizing about individuals when dealing with something systemic like a tragedy of the commons. The only way to right the ship is to close the spigot and tell everybody "that's why y'all can't have nice things". A very narrow scope disability payment system would be more adequate in insulating from the graft of human greed, which military members are most definitively not any more immune from than the civilian population at large. Not an excuse, but to be fair to the enlisted, the pay scales are generally not worth staying to 20 for an enlisted pension, especially if the vocational experience gained through those years does not lead to a high paying civil occupation to play catch up in your 40s (ATC for instance). So I somewhat understand the inclination to malign in order to supplement with a secondary de facto medical pension. But commissioned officers with special pay add-ons like pilots? Yeah that's just unfettered cash grab.