People can cap well before retirement age.
Look at ZNY and N90.
The base brand new CPC is at 175k. 15 years of June raises caps them out (175k X 1.016 16 times brings you to 222k). That's NOT INCLUDING every year locality goes up.
Over the past 7 years, locality there has gone up 6%. Let's just assume it goes up an avg of 0.8 % per year, so 2.4% increase bringing you closer to the cap each year (locality plus June). The base Jan increase raises both the pay band and the cap, so can be ignored.
175k * 1.024 caps you out by the 10th year. Even rounding the locality down significantly only increases the time it takes by a year or two.
Did you think anyone capped out that fast? You're right, because historically it has taken longer, but they are/will be AND
IT IS GETTING WORSE EVERY YEAR AND WILL AFFECT MORE AND MORE PEOPLE EVERY YEAR
AND WILL BE HARDER AND HARDER TO GET FIXED THE LONGER IT GOES ON.
Should lower level facilities make more than they do? Sure, but we all should. You're just cool with higher level facilities getting screwed because you think they make plenty already, when in reality they're more underpaid than lower level facilities are. A low level facility can at least reach the top of their own pay band. Capped out facilities literally can not get paid what they're supposed to be getting paid.
ZNY/N90 should reach the top of their pay band at 237k. They are underpaid by 16k/year RIGHT NOW and getting worse every year.
They could be reduced to level 11s and still cap out. ZOA caps out even sooner. Even SFO at a level 10 caps out.
Even places that are cheap to live like Atlanta, TX, etc... are within a few grand of capping out. Houston center now caps out. ZFW/D10 is within 2k of capping out and could very well hit the cap within two years. Many centers/large TRACONs that aren't already, are within 10% of their range of hitting the cap. You want everyone to get a big raise? Even a 5-10% base raise has a LOT of facilities capping out.
Your argument it isn't confusing, you just think the cap doesn't matter much, but you are wrong. You're also comparing absolute values across a wide variety of facility level salaries instead of percentages, which is also wrong.