Yes I think you hit on some good points.
I think a lot of people do not join communities they like and just go where the upvotes are. I think that is natural to some extent but doing things only for money typically makes people unhappy.
They can join any community they like. But if they see the votes being tallied and they don't get any, they simply won't lift a finger for the community.
Also people complain about people getting big upvotes if they have been here a long time and get more auto upvotes.
Like that is not a good reason to start posting things people do not like in my opinion.