Not saying you‘re wrong, but your arguments are weird. cRPGs are obviously not dead, and I‘ve encountered a group of more than 10 enemies maybe a handful of times. And, subjectively, that was fun.

You have on the game as a whole, though. Mechanics, strategies, locations, weapons, lore, maybe friendships with other players. Hard to leave all that behind.

Not with money, but time and effort.

Too many people just accept it. Maybe due to an apparent lack of alternatives, fomo and some sort of sunk cost fallacy addiction.