Why is it fair that rich people should be able to afford a Ferrari but poor people not? Why is it fair that rich people should be able to afford a house in the Hamptons but poor people not?
Because things cost money and if you want indulgences you have to pay for them.
How are they not good? The reason we have rules is that breaking the rules has costs to society. When the value of breaking the rule is worth more to you than the cost to society, it's a net beneficial transaction on both sides to let you do it in exchange for a premium.
The only way it's a problem is when the value is set wrong, so that you're only paying $100 but causing $1000 in damage. But that's not the fault of the premise of pricing damage, it's the general problem with corruption or government inefficiency. And the alternative is that the corruption causes you to be able to do $1000 in damage and pay nothing because the whole thing is swept under the table -- at least this way it's happening in the open and the public can evaluate whether the price is appropriate.
"The reason we have rules is that breaking the rules has costs to society. When the value of breaking the rule is worth more to you than the cost to society,"
What if the harm to society of a rich person breaking a law is more than the harm of a poor person breaking that law? The positive actions a person does may be magnified by wealth; why wouldn't the negative actions be?
Because things cost money and if you want indulgences you have to pay for them.