I would say it's more of a "Free to Pay" game- that is, you're free to pay for extras, or free to not pay for them. As literally nothing in the game is actually locked behind a paywall (aside from the Legendary Edition skins which is, what, 5 things? And ugly things at that), there's zero incentive to spend additional money on it aside from personal impatience.
The MOST incentivism to pay for loot boxes is the Time-locked Events- and those are annual anyways.
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