idk I mean, even with a bit of inflation for the most part FGO difficulty isn't so demanding as to make 5* necessary. So it is kind of like...how much would you pay for chars that you like? As we see from GBF, you can milk that shit pretty hard and release multiples of the same thing just for the sake of it. Well, FGO throws out less freebie gems than GBF atm so I'd say it is about even in that aspect.
If we are looking at it from the quality of game perspective though, FGO really needs to step up still. More scenarios is mandatory. Hopefully they'll try to keep to a character based game and not try to sell things based on stam refill and farming the way it works for more mature games. I guess the tight leash they hold over levels and all is a sign that that's still the case. (In other words, please no daily emergency content at JP hours, I want to sleep)
I think you just aren't jaded enough yet, need to go look at more terror asian mobages.