[xg15]

Yes. First, it turns the game from an good or service I buy to enjoy into a glorified supermarket where I'm supposed to buy even more goods. This frequently ruins both immersion and gameplay.

Secondly, the developers now have incentives to make you spend as much as possible, which is why you'll frequently see psychological tricks to move you in that direction.

Even if the developers were completely earnest, the rewards cycle will cause craving for mire rewards and will easily keep one glued to the game longer than intended.

If I need to exert willpower to use a service "responsibly" while the service actually makes its money from people using it irresponsibly, the service probably shouldn't be used in the first place.