Payet can be such a complete Jerk Sue without suffering any kind of retribution. It's simple: He's more competent than the others and believes It's All About Me because he's an onlinePlayer Character, as seen from the perspective of the NPCs.
The reality of the Five's situation becomes this once the Wham Episode sets in. Five ordinary people are trapped in an artificial world, unable to escape, thinking they are entirely different individuals, and utterly unaware that things were ever any different for them. And for the moment, nothing is happening to change that. Creepy, isn't it?
Jerk Sue without suffering any kind of retribution. It's simple: He's more competent than the others and believes It's All About Me because he's an online Player Character, as seen from the perspective of the NPCs.