I'll admit I've been in that crowd that believed they saw early efforts like horse armor and Bioware's infamous pay-to-continue Dragon Age quests, and backed off - resolving they need to shift monetization elsewhere like skins. Seems I was wrong.

You could argue given Starfield's overall failures, it's still in the sector of terribly-designed monetization that just gets forgotten by history, much like most mobile games. But, we're still in the process of writing that history.