Actually, you are wrong.

First of all, you can ALWAYS fly make-up until your bank is negative 6 hours every month. I.E. if you have a zero make-up bank balance, you can STILL pick up a 6 hour trip. That equals flying straight time on a day off and a ton of people do it.

Secondly, those that bid ridiculous reserve carryover lines to then drop the reserve carryover and protect min days off, then in later months cherry pick the make-up are ALSO flying on a day off. If you would have flown that carryover, you were working on a contractually guaranteed day off.

The reality is there is more make-up going on here than you think. That is what kills draft/volunteer. A ton of people are dependent on an extra 20 hours of flying a month.