I tend to disagree. The definition of P2W has become unreasonably fluid, but it came about because there were some early mobile games where you literally could not progress through the game without paying, and no amount of grinding would help that.
Defiance is not P2W. If anything, it's Pay for Convenience. Every F2P MMO I've played has monetized currency, and AF is Defiance's. With the exception of Runescape (which locks you out of a lot of content unless you subscribe), none of the games you listed are MMOs. It's tough for games like this to thrive on cosmetic purchases alone because they're one and done. AF, lockboxes, and boosts are probably their bread and butter, and I know similar items are usually bestsellers in other MMOs. SWTOR is practically kept afloat by them.
The drop rate for AF is another issue entirely. I consider myself a super-casual player, but I've never had problems staying competitive. I don't know if it's cynicism (probably is!) but I'm usually prepared to do some decent measure of grinding in MMOs, and compared to others, Defiance's AF grind doesn't come close to the levels of monotony I saw in EQ or early WoW. It's always seemed pretty reasonable to me, but that's my opinion.



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