Even my daughter uses gpt after our arguments and I'm very much aware of this. She even praises gpt for calming her down in her discussions with her mom. If the stuff if calming her down- i guess it's a good as well as a bad thing. Good as she's not stressing herself and bad since she's probably hiding her thoughts now.
One concern you raise is that strong “income ceilings” might reduce incentives to earn more, and thus lower counterfactual impact. This topic is very very important but I don't see much discussion on this here.
Also, have u thought whether there’s a risk of hitting a locally satisfying equilibrium that’s globally suboptimal in terms of impact?