So if you ever played Jacksmith you might understand the forging mechanic in this game.. The premise is that: you forge your own weapon, quality depends on how good you do at the minigame. When you die you drop that weapon and have to recover it.
I watched my friend struggle to play it because he didn't play jacksmith and making a weapon was infuriating to watch. Then he set off to walk somewhere, kill some mobs, got killed, lost his weapon. Struggled to make a new one that was shittier than the first one, set out to recover the first weapon and died. Lost the second weapon to make the third and at this point he ragequit and deleted the game. Who thought people would enjoy the part where they lose their stuff that they just struggled to get? Boggles the mind
The incentive is to exchange money for goods without having to carry cash around. Like yeah you get points and shit for cc transactions but if you can’t see that the customer is not the one who benefits and it is merely a tool to drive engagement then I can’t help you.