I chose the first option, I would rather just pay with my credit card.
Probably not as familiar with other games as others, but my ex-boyfriend played World of Warships a lot, and was constantly buying in game gold. I think this would be classified more as a PTW game, as it seemed that the more you spent, the better your ship was at killing other ships.
His addiction was one of competition, he wanted to win that bad, but there was never any fear of missing out.
I keep seeing the FOMO criers jump back into the conversation, and while the majority of the discussion has been very interesting and polite, they seem to be the crusaders throwing veiled insults and mocking others.
My take is that these few have had a bad experience with a large corporation or business, possibly a past employer, or possibly are worried they will be left out due to not having a lot of discretionary income ( which would be a real FOMO issue ).
I have never really had a huge desire for anything in this game enough to care if I have it or not. The DLCs were cheap, so I bought them. The Twitch was something different to do, and a bit amusing to watch, so I did it. The twitch drops were definitely not something I would have payed for.
My point is that people keep pointing out that you do not have to buy anything or kill 10 goats or whatever, it is totally your choice to participate or not. Others keep implying that we are just sheep that will do whatever the mega-corporation wizards want us to do, and we have no free will. They use human weaknesses to prey on the unsuspecting, and weak-minded people.
I would submit that humans have been preying on each other since they learned how to swing a branch in anger, so it is not something novel with the advent of online gaming. Refusing to let oneself be duped or digging deep to find out if it is a scam and then deciding is still called FREE WILL.