gavra_at_work,
In your example I would argue that while the card allows one to avoid punishment, the Chiyuv mammon still exists.
I agree with you, but Patur Aval Assur seems to be asking why we should care about a chiyuv anyway if not for reward/avoiding punishment or “feeling good”. So I presented a scenario where there was a chiyuv but no punishment attached, and doing it certainly wouldn’t lead to “feeling good.” Apparently he is also questioning the value of doing the right thing for its own sake.