Let's say money is the only factor here, and then indeed, you may be fine with it. That's still a bit of cash for others.
However, if anything eventuates that you need a clean record for - remember, they'll have a record of this. You want a permanent visa? Odds are that's a black mark against your application. Background check? Another issue.
Further to that, if it's on your international record (many countries share information) you are often asked in other countries if you've ever overstayed. Assuming you're askinganswering honestly, you're going to have more trouble. Then if they have the info from Chile anyway, and you lie, there'sthere are even bigger problems as you've now lied on an official form.
So yes, it might be just a little bit of money, but the long term impacts might be greater than you can forseeforesee from your situation now :/