I’d argue the death of community run servers did more harm than micro transactions.
Back in the day you’d have at least one admin in the lobby taking out the trash.
The incentives for charging real money include “losing feels awful.” If you’re genuinely going ha ha, good game, congrats, then that’s psychological manipulation that was left on the table. The studio demands that developers leverage more agony into that defeat. It’ll keep people playing until they eke out a win, and then that win is so juiced with positive signalling, they’ll immediately want another.