But on the other, it's a fabulously beautiful and well crafted open world with tons of things to do and explore, offered completely for free, no strings attached. It's almost entirely single-player so there's no competitive pressure, money is only needed if you don't have enough in-game currency to snag a character you want.
I've played happily on and off for months and only experimentally paid $5 to see if it was worth it. I have more characters and resources than I know what to do with and have had a great time.
But the business model is definitely predatory on people who are willing to pay hundreds or thousands to score a character or optimal item. Of course we've seen that happen with in-app purchases of crystals and smurfberries for years. The model works, which is the best and worst you can say of it.