I pretty much subscribe to this line of thinking except I learned my lesson. About 8 years ago I whaled the crap out of this MMO I was playing for like 3 years straight and let's just say that I could have bought a decent used car for what I spent on it only to have the server up and close suddenly due to lack of interest by the developer (they were making a sequel to the game) and the publisher ( who lacked the skills and desire to continue the game) and as is typical, I had absolutely nothing to show for it.
So now I'm a reformed whale...more like a minnow...when it comes to games. Normally I would have been taken a crack at this and dropped $120 like a boss, but...no...just...no...I missed the 1500 NG 6* which I am kicking myself for doing so but I'm just not going to spend like that and will be patient and wait for it to come around again. I have 2 rainbows and a solid 5 star line up and that's good enough for me.
Also because RNG hates me, so there's that.