Destiny as a concept is amazing. Especially for the current console limitations. They just could never get accessibility or loot tables right at launch. The first was too inaccessible for casuals, and the last was too accessible for hardcore players. The concept it self is good, its really just the players that are the problem overall. Needing six friends all on at the same time for raids was only a big obstacle because rando groups via LFG sites demanded you had Gjallarhorn. The trifecta of PVP, Open World and Instanced content collided as casuals mostly farmed the open world which didn't have shit, while instanced content had all the best loot... which would cause you to get shat on in PVP if you only did open world. On top of that Strikes were mostly fodder unless it was the Nightfall which you could only do 3 times a week if you had 3 characters.
But yeah these are all time sinks now made for people that are in their 20s, work a part time job in school etc. Its sad they're making it a cash grab too. These type of games are def going to start struggling and they need too. I don't mind cosmetic shops. I think The Division 2 had a pretty fair system for getting keys for free weekly. They only time you were pressured to buy any were timed events, but even then if you saved up your keys and didn't use them on the common stuff that will always be there, you'd still get a good run in. But some of these games take it too far.