Raffles and lotteries are still a type of gambling. Difference here is they don’t need to be transparent about how lootboxes work, namely bad luck protections. Gambling is normally regulated to protect against fraud and other crimes.
You underestimate how easy it is for a kid to have unauthorized use of someone else’s credit card. This was such a big problem with MapleStory in the 2000s. It’s why prepaid cards exist.