Couldnt have said it better myself, and that last part in particular is why I personally took great issue with the Token just from a concept view alone, as it preys upon the lack of impulse control, and has a very real potential of even more or less affecting the people who do have it because enough people lack impulse control to such a degree it starts shifting the player market and enforces a greater comittment to the game if you wanna work towards that "free" gametime.
I havent played WoW in forever, and I have no intention of going back to it so I cannot speak at lenght regarding the current state of the ingame market, but as far as I'm concerned the devs shouldnt have had to step in and adjust the market to begin with if they knew what they were getting into, and actually thought it through. (Then again they do have Activision as their boss, and if recent activity is anything to go by, it's doesnt exactly seem unlikely Activision is the one behind it, thinking it would rightfully encourage people to maintain sub and maintain player activity)
Sure, benefit being that you can start saving money on subscriptions, but the downside being you're gonna have to farm currency way harder, which takes time away from other activities and, in my eyes, kills the game
Because I dont want to play something where I feel I "need" to do X thing for Y ammount of hours each week, with the downside being that if I dont I need to pay real money for my sub renewal