bradycakes--You do not know what you don't know. (Hmm--guess that's another way of saying "you're out of your depth"...)
Speaking as a PD, I'm happy to have my senior residents moonlighting a reasonable amount--it can be a learning experience (it was for me) as well as taking some pressure off of the family budget.
BUT--if you exceed 80 hours, or insist too strenuously on making your own rules, that's a real problem--and not just because I have some narcissistic need to control my residents' lives, as appealing as that prospect is to me.
(Really. No.)
I'm not the ultimate boss here. I report to department chairs, DIOs (designated institutional officials), hospital GME committees, the ACGME (which accredits our program to allow it to continue training you), the ABPN (which requires that I certify that you are indeed worthy to sit for Boards), your state licensing agency, etc. They all have a vested interest in the outcome of your training, and I'm the guy who is supposed to certify that fact.
The end result of all this is that if you are more interested in moonlighting than in completing your program's requirements, your program will receive citations from the ACGME (an
accrediting, not
financing agency--you confuse that in your post). This ultimately can affect program accreditation and the institution's eligibility for Medicare GME funding--which is paying for ~90% of resident education in this country. (If you think this is a fiction, google 'GME funding', 'Medicare', and 'sequester' and see what's already at stake!) In addition, it will affect my ability to write that letter to the ABPN to allow you to sit for your Boards, the one to your state Board of Medicine to support your licensing, etc., all of which may affect your ability to one day get a job and be reimbursed for your services.
So please believe me, rules are there to be followed, and it's part of my job to make sure you do, for the sake of your future patients, yourselves, your program, and your institutions. At some point along the way from medical school to residency you need to leave adolescent attitudes to authority behind and join the grown up world of policies and procedures. Sorry to be a buzzkill.