This opinion might vary by the person and the game. I was playing some free-to-play game the other day which was like you described - it had a store and some tokens, and a way to slowly gain the premium token as you played.
But I found there to be something deeply gross about it which did impact my gameplay experience. I’m playing a game (rather than doing something else) because I want a curated experience of fun. Tokens like this make the relationship adversarial. In this case, the game has some mechanics which it keeps waving in your face - “quick! Click now to spend 2 whatevers to have a 4 hour boost!” And I have to actively avoid the shiny fun part because it costs real money to do. It makes the experience tiring in the same way shopping is tiring. Is the game trying to be fun or not? Pick a lane.
That said, I enjoyed Dota2 for many years even though it had hat stores and loot boxes full of art. I’m not sure what the difference is - I think I just never really had to resist the pull to pull out my credit card in dota. And I payed way more as a result! I chipped in a few dollars each year for the international prize pool, and that was a blast.