There goes that nasty evil capitalism, "It wasn't my lack of will power and cognitive short falls that caused me to buy these things ... it was capitalism's fault. I'm completely innocent and would never make bad decisions of my own accord ..."
If this were loot boxes, then maybe we'd be having a different discussion, but unless they're tricking you into something other than what is advertised, then the onus ultimately falls upon you to control your desire to purchase something.
Personally I lean on the "I am the final arbiter of my purchasing decisions" side, but surely this principle would have to be applied consistently (and what this looks like is I have bought almost nothing online ever)
And ask yourself-- who benefits the most from the borrow checker? Because it's sure not John Q. Programmer ...
Blaming consumers for their lack of self control is pure hypocrisy. Where do you think sellers got their desire to get so much money ? From their own lack of self control.
A rational mind does not need or desire millions of dollars. It needs what it requires to live a happy life : food, health, social interactions (quality & quantity). Anything else is pure irrational, pulsion driven excessive desires.