The sad part is, those preyed upon aren't always necessarily well off enough to afford it.
It's one of those situations where either the microtransactions are in fact small, so the low costs add up over time before the victims realize it, or they're set up to pressure people into multiple rapid transactions, and so they either exploit some people's poor impulse control or gambling addictions, or more often than not, both.
These are solid suggestions for sure! I still need to get around to the rest of the Dishonored series past the first and finish Prey.
Immersive sims I think are pretty close to what I might be wanting, but they're unfortunately not that common, and some have RPG elements I don't find enjoyable. The Arkane games you mention pretty much avoid them last I checked though, and I dig'em for it