Bill, like I said, I am not defending the prices or critising them. I am just saying that for ME, £14 is ok at Lochore as the main reason I would go there is to use the actual Loch.
The fact the lake is free to use anyway is not relevant to me as I am not in a day-day trip proximity to it, driving in and out from another cheaper (or free) location would be possible but the faff of doing that makes it totally unattractive and £14 is ok. If I were much more local, than I may well think "hmmm. Is £14 to much to stay over or should I just go home and come back in the morning?". But I am not.
For me, an alternative location could be to go to St Marys Loch, between Selkirk and Moffat. I have never camped there, just stopped off en-route occasionally thus far, but there is a campsite called Tibbie Shiels Inn.
Prices there per night are £8 per person, £4 for Children and £5 for EHU. So family of 4 say on an overnight stay would be £29 per night. Just a couple on their own is £21 with EHU, £16 without. And facilities as I understand it are toilets, communal washing facilities, and ... well, that is it.
Coming back to Fife ....
The fact that if you can flout the policy of not overnighting in the car park and can save the £14 (irrespective if you decide £14 is to high or not) is not something I would be happy or willing to do. You can't say "well, £14 is too high, so I will just ignore that and go anyway". You can't go to a shop and decide their baked beans are 20p a can too much and just pay less, or just take them and not pay at all.
Overnighting in a car park where overnighting is specifically prohibited, or parking in a motorhome area and not paying is basically theft. I don't really care if some do, it doesn't make it any more acceptable if you are part of the crowd. (PS. I am not suggesting in any way you do, to make that clear). Either pay or don't stay.
The fact that you DO pay the £14 even though you think it is too high means there must be something at the site that makes it worthwhile compared to staying elsewhere for either less (or free), or with better facilities. That is, at least for your current/last trip, the loch for your grandchildren to use the water. (you could always go to Tibbie Shiels say, and pay more and use St. Marys Loch?)
So when factoring in the list of amenities for comparison, you need to include that.
The comparison earlier of parking in the Burntisland Leisure Centre Carpark for free or Elie Car Park for a tenner ... I have no idea where Elie is (except in Fife I am guessing?) but what is in the Elie carpark except for new toilets? is there a Loch you can use your Kayak or Paddleboard on? or cycle and walking areas? I don't know, but I suspect not, and if I had the choice of stopping in a country park for £14 or a Car Park for £10, I think I would spend the extra 4 quid. (that the Country Park is free to park in is irrelevent - it is NOT free to overnight in any more than the Car Park is free to overnight in). The Leisure Centre sounds good. Is it free to get in as well as park outside it? probably not.
Talking about prices and amenities, I went down to visit my family "down south" in 2021 and I stayed for a couple of nights at a nice campsite in Henley-on-Thames. Not a cheap area by any means as you would be aware. I had a fairly nice pitch ... 8M x 7.5M hard standing plus grassed space between next pitches, Fully serviced with private fresh water, private grey waste disposal, 16A EHU, TV point, 24/7 Toilets and Showers (still used my own!), on site resturants, cafe, shop, tennis courts, swimming pool, laundry etc.
Paid £26/night for that. Lochore in comparision is a rip-off probably, but if I wanted to launch my Kayak in a lake, I wouldn't have been able to (although of course, I could have used the Thames instead - but that was a mile away and getting the kayak to and from the site would have cost more than the Lochore site fee in taxi fares)