The same can be applied to Bitcoin; abusing the system because you can afford to pay the fines does not make it OK and should be discouraged.
There's a difference between a fine and a fee you know. Bitcoin has fees. University had fines. You can't compare these two.
Who are you to dictate what is proper and what is not anyway? With the university it is at least explicit that the girl was doing the wrong thing. Can't say the same about bitcoin.
By the way, all normal money transferring methods allow you to attach a message to the payment. Bitcoin failed to provide such capabilities as a built-in feature. It makes so much sense to encode payment details in the bitcoin transaction and it isn't even wrong. How on Earth can you call encoding payment details in bitcoin TX an abusive behaviour when ALL BANKS ALLOW THIS on their centralized ledgers. That's it. My last sentence just demolished all arguments of any opponent to encoding payment details in the BTC TXs.