Yeah, this is pretty much on the mark. Having 2 version was egregious enough, but at least they gave you the means to get most, if not all pokemon without too much effort between GTS and free Mystery Event giveaways for legendaries. Then they introduced Bank, which was a bit of a bummer being a paid service, but it allowed the easiest way of transferring pokemon between all the 3DS games (even the R/B re-releases).
But now they've cut the pokemon meaning to play with certain pokemon that were cut you need to buy whatever game contains them. They're removed GTS making it further harder to trade for pokemon not in your specific game version. And Home is one way with every game, but SWSH. It really all does seem made to do force you to purchase more. And I get it, they're a business so that's their goal, but it's getting egregious at this point