I think time is different because it's finite. I admit I'll still opt for store brand to save a few bucks even making an engineering salary. But I'll also do something "illegal" (like parking at a metered spot without paying) to save time or otherwise do what I want and just deal with whatever financial cost incurred if I know it won't break me.

A saying I've heard is that if the punishment for a crime is financial, then it is only a deterrent for those who lack the means to pay. Small business gets caught doing bad stuff, a $30k fine could mean shutting down. Meta gets caught doing bad stuff, a billion dollar fine is almost a rounding error in their operational expenses.