> games allow you to spend money to rapidly get better

Audience is the problem here. It's obviously not a big deal if the platform is targeted for adults, but majority of users are underage. The platform can certainly implement guardrails for the vulnerable users if they wish to

Those guardrails exist. They’re called parents. My son doesn’t have a credit card and therefore doesn’t have robux. Having no robux, he can’t spend it on anything.