I started to feel like I needed a spreadsheet to keep track of all the currencies and make sure characters were getting the right leveled gear and stopped immediately after that. It's very easy to talk yourself into the value you are getting when there are 3-4 levels of indirection between the actual dollars spent and the on game reward. I normally don't mind some level of "accounting" work in rpgs but the fact that the layers of currency could start with real dollars kinda made the whole experience feel like a trap to conceal the actual cost of playing the game a certain way. I think this is a very dark pattern.