I think you’re missing that you (likely) get more money back than you pay in. It’s a restriction, not a tax. It’s only the most egregiously inefficient drivers/home owners who are paying more.

As someone commuting in a reasonable car driving a reasonable distance in a reasonably efficient home, you have more money in your pocket every month. And if any of those aren’t the case, then maybe it’s time to make some changes (which is the whole point!)