This "only cosmetic" propaganda is obnoxious and indicative of how brainwashed the average video game consumer is. Pretty sure that customizing your character is in fact "gameplay" and designing a character avatar in multiplayer is a big part of multiplayer games. It's so frustrating watching people on this site continue to defend this garbage. Also, lets acknowledge that publishers/developers preying on sharks is in itself pretty gross. These aren't trust fund kids with cash to spend, by in large the people that buy this stuff are the ones who are addicted to the unlock loop and likely play the title for 40+ hours a week. If you play videogames, you've likely interacted with these folks, have you ever encountered one that seems happy? Like if anyone was actually being serious about this stuff, they would acknowledge that these mechanics are anti-consumer and really a gross reflection of unfettered capitalism in the digital age.
Also, I will continually point out, unless we know the specifics of how much of this money gets re-invested into games as service stuff, it's really stupid and ignorant to claim that it's definitively good for the health of the title. This is literally an unknowable unless Microsoft wants to be more transparent about where this revenue goes.