There's 6 games I've played recently with gachapon or free-to-play mechanics. I have no complaint about these mechanics when made optional, I'm fine with paying some money to a game company if they keep me amused. Not everyone is capable of that.
Animal Crossing: Pocket Camp: The "fortune cookies" cost 50 Leaf Tickets ($2 or so), with posted chances (3% for the best items), and rarely drop in-game for free. Given that any rare item costs 100-350 LT, cookies are a "deal" but still excessive.
I have more complaint with the goddamned pelican added last month, that wants 10 furniture per trip for apparently a 5% chance at a new animal friend. HATE. HATE. HATE that fucking pelican. 2 animals got, 1 to go. I'd pay real money to make pelican soup of him & get the last animal, but this is not what Nintendo monetized.
Harry Potter: Hogwarts Mystery: As of year one, this is barely even a game, but there are game-like elements. I initially started in Ravenclaw, but instantly got bored of goody-goody shit and blue's not my color; by fucking around with the Facebook login (to a defunct account used for developer shit 10 years ago) and a second game on my old phone, I was able to reset and join Slytherin. I'm a bad man, but I look good in black & green. The NPC dialog doesn't change much, and the stupid witch antagonist doesn't realize I'm now the real monster.
The energy economy in this is shitty, but not as shitty as it first looks. There are 1-2 items (paintings, statues, house Elf…) on each floor you can tap to get some energy. Doing a class takes 10-50 energy? So take the 8 hour classes, only tap on the lower-cost action bars (0/1 is better than 0/5), go out and refresh energy, wait a while, it's easy to pass without paying.
Grossly inferior to the LEGO Harry Potter games, but I'll at least finish year one, I think. I have been informed that all these games are for children, but I have the heart of a young boy… in a jar on my shelves.
Elder Scrolls Online: Crown Crates cost ~$12 for 4, each of which has 4-5 items, 1 costume/mount skin/trinket, the rest mostly consumables you can trade for "crown gems" and save 100 of those for a good item. I routinely use the "free" crowns from my ESO+ subscription to buy the crates, and like the results; my Flame Atronach Camel is ridiculous but awesome. Some ESO players are insane with envy (the shittiest of Human emotions) about other players having better luck.
Fate/Grand Order: I liked the anime, so tried playing this and while card/turn battles are a thing I like, the endless VN dialogues with useless parasite "Director" killed me. The gacha? Cruelly unfair, but playable without any money I could see. So when I see articles like Man spends $70,000 on Gacha, I dunno what he was doing it for.
Fire Emblem Heroes: Take all the stock elements of a daily clicker gachapon game. Add very pretty anime girls with swords & spears. Add the blandest tactical pseudo-RPG ever made. So dull and formulaic it makes me wonder how anyone plays this without falling into a coma. Gacha rates seem generous, but who'd care enough to spend money? "FEH" is the sound I make at this game.
Final Fantasy Brave Exvius: Before I kicked the habit, a daily struggle… Not really, it's very generous with free "lapis" and summons, and getting a good party was just a matter of time. I'm sure junkies spent money on it but that's not needed. Story drives you thru the map and fighting quests, but it's a real FF game with exploration, crafting, NPCs. Loved it but I'm done and not going back.