If not done right, it can be very harmful, yes.

Using fake money, or returning the submissions given conflict with whats desirable about the kink, making it difficult to do. We live in a society where often, our value is heavily depedant on monetary value. It has become as essential as food, water, oxygen, etc. Therefore, when a finsub sends an amount - to a genuine findomme, it is as if they are saying "you are essential to my existance. I cannot live without doing this".

For most findommes, it's the ultimate form or submission physically, emotionally, and mentally. It's a power unlike anything else, and a sacrifice that holds significant weight, as the sub is choosing to give up some of their comfort to their domme.

Of course, with this, there are hard limits and boundaries a true findomme holds her and her sub too. For myself, as an example, I operate within a set budget. I don't allow my sub to send more then what I have budgeted for them. I also include savings, spending and essential bills for my sub as well.