controversial bec if it goes wrong it goes very very wrong. there's a lot more fake doms that do findom where they prey on vulnerable subs to give them more and more money. plus it tends to be subs that are at their lowest that regret their actions when they snap out of it. regret and shame shouldn't be an ongoing emotion after play and findom have a reputation of perpetuating this and not caring bec "they consented".
the "good" findom is one that has evolved to more of a "let me take care of you by telling you how to spend your money responsibly" which is better but soooo many fake "findoms" literally drain their subs bank accounts and leave them ruined then say it's cuz they're a findom it's ok. it's exploitive and disgusting and I hate it.
Almost everything in BDSM is literally just one step away from abuse. What you said could apply to anything.
But yeah no you don’t negotiate such a huuuuge thing mid sex while holding a pet name over your sub’s head. That is super controversial of not borderline coercion. Big decisions should always be safe, sane, and consensual. Never within a play, scene, or during a time when the sub is already i na submissive state and their judgement will be influenced. Even in a 24/7 arrangement you’d negotiate something this big in a neutral setting. Findom is too much for most anyways.

wish the author didn't put findom in here. it's already a hotly debated topic even in the d/s community. plus negotiating while hanging that pet name over his head? this series really went downhill in season 2 :(