Earlier quoted context omitted.
So, your medical plan evaporates the moment you stop working for most federal agencies? Just like my private employer's medical plan? And guaranteed pensions are no longer a thing? What is left as a justification for below-market salaries? Employment opportunities in government-dominated towns (which do not have healthy private-sector economies), and more job security?
The justification for below-market salaries is that you aren't expected to actually produce anything and are almost impossible to terminate unless you commit fraud or harassment. This comes from first hand experience as a federal engineer for almost a decade.
You're also expected to do so, while wading through a waist-deep morass of technological, beurocratic, and managerial stupidity.
In that agency, she can't just zone out and phone it in.