You are right, but that could (probably not) make them go for the bad route because they would get way more money that way. 4k for a bug that could take control of your customer account sounds disrespectful to me.
Playing devils advocate but 4k is probably more money than most kids that age have seen in their life
Yeah, my read is that the teenage hacker confronted with this ridiculous payslip sees two ways forward: accept the pay cut for the CV benefit of working with bug bounties, or get a bit better at hiding your ass and make them really pay.