Yes, but the systemic issue is abuse.

The idea of the payment system is to protect creditors and innovators, but nowadays you need to do things perfectly as per system and have a decent legal team. Your cost and focus isn’t just the process of invention and prototyping but the legal bits as well. Basically you need to be rich enough to cover your costs AND to legally protect yourself, which is what the payment system should help with.

If your Section 101 fails (and it can because people are getting better and better at exploring the slightest legal technicalities) then basically your efforts will move from developing your invention (or exploring it) to legally defending it.

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