If your app is paying out $2K and a competing app pays out $100K, why would anyone bother searching for bugs in your app? Every minute spent researching your app pay 1/50th of what you'd get searching in the competing app (unless your app has 50x more bugs I suppose, but perhaps then you have bigger problems...).
I'm always so confused by the negative responses to people asking for higher bug bounties. It feels like it still comes from this weird entitlement that researchers owe you the bug report. Perhaps they do. But you know what they definitely don't owe you? Looking for new bugs! Ultimately this attitude always leads to the same place: the places that pay more protect their users better. It is thus completely reasonable to decide not to use a product as a user if the company that makes the product isn't paying high bug bounties. It's the same as discovering that a restaurant is cheeping out on health inspections and deciding to no longer eat there.
If you and a couple friends released an app that had 50k users and you’d not even broken even, can I claim my 100k by finding a critical RCE?
Long story short, there are ways to creatively solve this problem, or avoid it, but simply exclaiming “well it would be too hard to do the necessary thing” is probably not a good solution.
It's not about viewing security researchers as sociopaths who will always sell to the highest bidder, the fact is there will always be criminals going for exploits and bug bounties can help not just by paying off someone that would have otherwise abused a bug but also by attracting an equally motivated team who would otherwise be entirely uninvolved to play defense.