It's like beauty or tastiness.
Something is beautiful if people say it's beautiful after seeing it, and something is tasty if people like eating it.
Something is clear if people understand it.
I don't understand how this is even a question. I feel like I'm explaining English to a space alien.
Compels can only be good things in the hands of a GM who's not trying hard enough. By definition, its only a proper compel if it causes trouble for the character.
Yeah, so making them give bonuses is really problematic.
But it also creates a new problem (or at least what I see as a potential exploit) by way of offering 100% interest-free Fate loans. Borrow Fate whenever you need it, so long as you buy off the debt with a Fate point when you get one -- no consequences. Or, better yet, wait to hear what the proposed compel is, then decide whether to take a possibly "easy" compel, or buy it off.
What exactly is the problem here?
So far as I can tell, the issues you bring up here are actually the intended functionality of ordinary FP.
Sure, it's a power increase. But it's a tiny one, and one that everyone gets, so who cares?
(In case it's not obvious, you still need GM permission to take debt. And you don't get to choose when Compels come your way.)
I made a slight concession, that the writers may have anticipated and accounted for the possibility, after rereading the power, and have shifted my argument to that non-evil co-pilots are against the clear intent of the power.
No, they didn't anticipate or account for the possibility. If they had, the Power would work properly when that possibility arises.
Also, I don't think you're using the word "intent" right.