I did put more than 20$ a year in free to play and even pay to play games (BDO, ESO).
Printable View
Mind you that was just adding up every single item in the mogstation, this does not include how many repeated item purchases needed if you wish to spend money for single-character items on all alts, or some people's Fantasia addictions.
I should probably bring up a few cases I've seen (I'm looking at you Eve Online) where some guy spent an average of $3000 per ship. I have no idea how often they were destroyed, as each time you lose a ship, it's gone for good.
One of the other games I used to play (Grand Fantasia) was also notorious for pushing gambling and almost got me terribly hooked on it due to one single mount I badly wanted. At one point there were a handful of people during a contest that had spent upwards of 20k cash that ended up causing not only the publisher at the time to get into serious trouble (Aeria Games), but caused a ton of distress among the rest of the populace. I myself spent around 9k for that event and I honestly regret doing so, as it made me hate gambling and realize how addicted I got.
Then came their short-lived version of Queen's Blade. I remember poking back into the AGE game list one day and saw they had a $1000 starter package as featured. Why oh god why.
This game's cash shop and Neople's shop for the current version of Dungeon Fighter Online are among the least offenders I've seen so far in the MMO market.
Oh boy, that reminds me of Anarchy Online, my chosen MMORPG from 10 years ago. The game didn't have a huge population to begin with and as it dwindled further I got the bright idea to play with two characters at once so I could bring some support for myself when playing solo. Then I added a third account. And a fourth. I wrote a utility program that intercepted certain key presses from my primary computer and transmitted them to the other computers so I could control the entire team from a single keyboard. I don't remember if it was against the terms of service of that game but in most modern games at least some of the control tricks I used would be in violation of the ToS. This solo team-up went on for a few months before I came to my senses, thinking "why am I paying $60 per month to essentially play a single-player game". I canceled my accounts and moved on to some actual single-player game for which I only had to pay once.
Don't forget their alks and spellbinds being in the cash shop last I checked, which are necessary for everyone. I also heard they were merging their servers due to population loss, but I'm currently too lazy to look right now.
Edit: holy jeebus I probably should not have done the math on all the mogstation items. God, what have I started?