I never played them (Europeans and Fifa, right...) EA games is having a lot of shit with Ultimate team in Fifa being very Pay 2 win oriented. But what 2K is doing here is EA^2.
Imagine explaining that this is what video games will become to our 10 year old self 20 years ago. Saving all our allowance and than being able to fully enjoy a game for the weeks to come like you're pointing out. I'm really starting to believe the simpler times where better (or maybe we're just getting old... )
RE: NBA 2K21 now includes unskippable ads