You ask what I'm talking about with inventing scenarios then keep talking about your fear of things getting worse. It may. It may not. Diablo 4 is hardly an example of bad monetization. You can't buy power. It is only cosmetics. The horse armor from Obsidian was 17 years ago. Stop holding on to the past so hard. We've even seen games pull back from poorly received monetization.
The same argument you keep using for "It will get worse" has been said with WoW since the store was added in Wrath of the Lich King. Look at it now with the Trading Post that allows you to earn stuff in-game with in-game activities. All it is is fear mongering. Vote with your wallet if you are afraid that much. Usually though it is a principle that is rarely followed.