Of course, the reason I don't play that type of game has to do with my reflexes; I die horribly in anything that is real time.
So I play ancient turn-based games. Such as Heroes of Might & Magic II; it was released in 1995!
So, no fear of micro-transactions inside games destroying my budget.
No, it's buying books, Manga, light novels, and tools and supplies that I don't really need that blows my budget.
So I can sympathize with the lack of restraint & self-control without being subject to quite the same cause.