We can lower the percentage below 50% of their net pay, however doing so can lead to employees taking sub-optimal payouts for lesser amounts exposing them to incurring more in fees, which is not ideal for them financially.

Incurring more fees would cause employees to feel more financially strained.

The guardrails we have in place - allowing up to 50% of net wages with one $200 payout per day and $1000 maximum per pay cycle - offer employees flexibility while still encouraging them to be financially responsible (most payouts are taken for basic needs like gas, groceries, to pay bills before they are late, etc.)