Maybe I'm in the minority, but I don't think pay should factor in. Either you're able to extend mentally and physically, or you're not.
Also not a fan of the just say no people. Our job is to move people, and if you're saying no because you don't feel fit, then I'm 100% with you. If you're saying no for ANY other reason (I've heard them all), and not even giving consideration to the thought that you might be able to safely complete the flight in full contractual compliance, then you are wrong.
If you can look that passenger in the eye who's going to miss their father's funeral, or whatever else, and say anything other than "I couldn't get you there because I don't feel it was safe and prudent" then you're part of the problem.
/rant
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