The problem is the FBI uses mostly the same GS pay scale as the rest of the federal government. So if the pay stinks for them, it also stinks for every other government agency. And that’s a much bigger problem then Mulder and Scully not making rent.
Yes the gs pay scale also means these agencies use more contract workers who end up costing way way more. It's a dual world that exists
This is the same problem with violent and criminal cops - the lawsuits against the department are paid by taxpayers, not the offenders.
The people who make these bad decisions aren’t wasting their own money - they’re wasting the money taken from you and I by force. They have no incentive to stop wasting it.