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You're not getting screwed if you're buying items you either want or can resell. You either get something for yourself at a 73% discount or you pay 27% of the item's value out of your RB and then sell it on ebay or whatever for 90ish% of it's value.

Edit: Same with bonuses. A $100 bonus costs you $27 in RB but you still get 73 dollars more than you would otherwise have.