You're in the minority as most people will enter their credit cards, as you say, and they will make lots more money because of this. It's a smart move and they

You're in the minority as most people will enter their credit cards, as you say, and they will make lots more money because of this. It's a smart move and they are certainly aware of the cost-benefit ratio. (I bet that you will enter your credit card ultimately in the end if you buy one of these things, despite your concerns, since you will eventually cave once an inevitable "must play" game enters the ecosystem.)