At this point so many busnisses exploit unreasonableness of some of their customers. Aren't people being sold this season's handbag for few thousands of dollars exploited?
By the time you realize the thing you wanted was actually $600 (which you wouldn't have spent upfront) but you've already spent $500 without getting it, it feels unavoidable to go and spend another hundred. And then the cycle happens again and again, making you feel very much like you have a sickness.
Many people can effectively avoid all of this and be very happy not spending a dime and not feel any pressure at all, but the problem is the large, very large, sometimes underage, base of vulnerable people who are spending money they can't really afford on these games.
I'm a pretty frugal player and not competitive at all, but I still feel a little spark when I see the fancy, expensive cards.
IMO There's a balance. People are responsible for themselves, but that doesn't necessarily remove culpability from the seller. I think it's easy to assume that everyone is a perfectly rational agent capable of avoiding bad deals through reason alone, but desire is a funny thing. The most extreme example is the drug dealer (or the cartel, or the US government, however high up you want to go on the chain) and there's definitely a gradient of moral responsibility from there.
This business practice is pure dogshit. Especially given how much it targets children and those with gambling addictions.