> Have you actually played Clash of Clans or Hay Day?
I've tried Clash of Clans, and I was actually surprised at how different it was to the usual farmville-ish clone in that regard:
1. The important currency (the gem thing) can in large part be obtained from in-game achievements. Not in huge quantities, but...
2. It really only works as an accelerator: more builders, instant purchases and (in the last update) work acceleration. And the game does not hammer you with it at all, as opposed to some others I played in the past.
3. The one thing that shocked me the most, as you progress in the game it starts requiring less of your time. A good example is the collector things, they produce at a fixed hourly rate but store their production for collection so you don't have to open the game and click it every 10 mn, but more interestingly the internal storage grows faster than the production rate: the level 1 thing can store 2.5h worth of production, at level 6 it grows to ~15h.
> every action prompts a IAP (wait or pay)
That's not even true, when raising or upgrading buildings for instance there's only one flow, the IAP comes after that by reselecting the building itself after launching the action. There's surprisingly little prompting for consuming the crystal things, and I've yet to see a single in-your-face full-screen dialog suggesting buying these gems explicitly.