“I don’t want to get bumped into the next tax bracket,

There are other reasons why someone will not want a raise. There are cases where getting a small raise will bump you out of benefits completely. Extra $20 a month may cost you $200 in benefits. In the USA anyways. I agree with your statement.

I remember when the ISP said that we would never need 1TB, it’s like 1 million floppies. They knew we would be here needing that data when game downloads are now 150GB+