Having more money is having more power. This economic system is pay to have, having weapons, human slaves... that is the reason of XP and Skills system in the games you listed : make other constraints to limit a pay2win, so this is only a "limited pay2win", skill system make limitation on the paytofast side, etc. If it is not a paytowin, it will be a "be-the-bank-to-win" game. People who can seduce other people in order to exploit them will not need to pay to win. money can buy everything ... but love ?