I have always been very frugal with my leave usage, especially my sick leave usage. If I had a doctor's appointment on Tuesday, I would stay over on Monday so that I would not have to take leave on Tuesday. If I felt a little blah, but no outright sick, I would come in to work, only staying home if I was really sick.
When I had my son at age 38, I came back to work at 4 weeks rather than use more sick leave.
One of my subordinates had a different approach. We earned a day of sick leave every month and it seemed like she would take a sick day each month. She would use her vacation leave to take days off here and there. when she got pregnant, we realized that she did not have enough sick leave to cover six weeks maternity. In fact, she had almost no leave in the bank. I calculated how much leave she would be earning over the nine months and offered her the opportunity to work an extra ew hours every week to bank as comp time. She did not take me up on this and continued to use her leave. And, no, before you ask, she had no medical issues, she just didn't like to come to work.
After the baby was born, she requested leave donations from her co-workers. I refused. I do not see why I should have sacrificed throughout my career while she wasted her leave the whole time just for me to give something up and her reap the benefit.
I feel the same way about credit, credit scores, and mortgage fees fees. I lived a frugal life to get where I am while some others (not all) lived above their means. I should not have to pay more so that others can pay less.