Yeah, I generally agree (though, without things like retainers, I'm guessing multiple service accounts wouldn't be quite as extreme/unusual). I think it's about the perception of the game trying to "up-sell" you. The OP in this thread talks about the game having "this kind of reputation" and, when you think about it, it's less because "it is possible to pay more and gain an advantage over others" (which arguably it always would be, in some form or fashion), but because "the game entices you to pay more for things that could otherwise be included in the base subscription price." When you unpack that way, it really comes down to just a few options:
a) Believing that the amount we're paying for the game + subscription is "already enough" and that having these add-ons is purely due to greed, not any form of necessity.
b) Believing that, if the amount we're paying isn't enough to cover costs anymore, it would feel more fair to just raise the price for everyone universally rather than having an add-on model that gives people "advantages" if they pay more.
c) Believing that, either way, it seems SE PR's focus has shifted too much towards upselling rather than adding features in the base subscription. (Part of this could just be an overall lament about the way the industry has gone over the years too.)
Each of these points could certainly be debated on their merits (they have some obvious logical flaws), but I think it's a lot more about perception than reality. There's probably an awful lot of people who choose subscription games hoping to avoid the "constant upsell" tactics of F2P, and so seeing that also in subscription games now (where "I thought the point of a subscription was to try to avoid having to do that") is, at least, discouraging.
That said...
Honestly, this is kind of true. For the most part, market/ventures aside, retainers are a "packrat penalty". And these are definitely the type of people who will be able to rationalize spending a little extra money to not have to go through the work of pruning their inventory all the time, but also begrudge it. People who are more organized and diligent in managing their inventory really don't need the extra space. So actually, it's exactly like storage facilities in real life -- you have too much stuff to fit in your house/apartment, so you can rent storage space elsewhere, and you know you could just go through that stuff and get rid of it... but it's easier to pay...


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