Yeah it’s the same when people say this about FFXIV, which does have an extensive money-shop for extra mounts/animations/skins/etc.

They’re pricey as hell, but at the same time the only thing you ever might feel pressured into getting are:

• Fantasia (character do-overs) after enough years because you feel like you’ve seen enough of this face and want another one and want to finally become a cat-girl like everybody else is! The game does however give you two for free, and we’re soon getting a third one, at least temporarily.
• Character boosts if your friends are being assholes and berate you for not skipping the story (seen it happen), instead of what 99% of the community does which is the exact opposite. 😅