[Frost1x]

>who won't switch to another employer or cell phone/insurance provider even though the terms they're getting are no longer on par with what the market offers. This strategy largely works too, as I've worked with some.

Acquiring competitive market rates and competing in market rates isn't always easy or even reasonable. Sometimes it takes significant effort due to barriers and some of these barriers were erected by companies. Take the modern interview process. Weeks of evening prep time, lots of applications/artificial networking/cold calling/recruiter responding, the time/emotional/ mental energy to step through several hoops, etc. and all this for a chance to compete at a position that probably isn't all that great anyways beyond TC.