The distinction between your two examples is not in the specific game design techniques. In your first example the game designers are trying to make their game

The distinction between your two examples is not in the specific game design techniques. In your first example the game designers are trying to make their game more enjoyable for players. In the second example they're trying to extract more money out of players. Listing a bunch of different game design tools that might be used to try to extract money out of people by a dishonest developer is missing the point because the specific mechanics are irrelevant, as you've pointed out with your examples.