Free to play with microtransactions is just the way to go for games that can be monetized in that manner. The lower barrier to entry means far more downloads and the piecemeal monetization means that players will frequently end up paying more than $60 alongside the larger player base.

Does Payday have a singleplayer mode? I thought it was a multiplayer game.

a situation where your character would get killed for a bad dialogue choice.

I think this is a ridiculous thing to criticize too. Dialogue is important in a game like this and it has (sometimes lethal) consequences.

Imagine if this argument were applied to combat. It turns out that it is impossible to beat some encounters by role-playing a loner wizard who refuses to cast spells. Nobody in their right mind would actually believe that is a valid criticism.

The most they’ll have to pay is 20 cents. And that’s only with the 200,000th to 210,000th download for developers who are using the free version of Unity (provided that the developer is also making more then $200k/yr in revenue). After that, the developer will probably get Unity Pro and the download fees will start up at $1 million/yr in revenue and more than 1 million downloads. At that point, I don’t think that the 15 cents to 0.1 cents that will be charged will hurt too badly.