There's a bit more to it
Viewing post in Web monetization quantity
You're not going to be using this to get rich, there are not enough people who have WM enabled currently enabled to even make this a viable possibility. So the financial aspect of it shouldn't even be a concern to you or really anyone else, it's a toy to play with right now. If you think it's a cool developing technology then use it, if all you see is a tip jar while disregarding everything else about it and not understanding why it's useful beyond other existing "tip jar" services then you're free to ignore it or call it whatever you want.