Civilian employees will get it all paid back (so it’s basically an extra paid vacation for them). With what most of them make (that I interact with), if they can’t take responsibility for simple budgeting for a couple of weeks - that’s their own shitty fault.
Should Congress not put us in this situation - absolutely! They need to loose all their pay (i.e. no later payback) for at least twice as long as the shutdown is. I know, won’t matter to the vast majority of them.