I just turned 61, have been retired for the last 6 years, and have a nice monthly retirement salary and a swollen IRA (thanks POTUS). I originally only played Shadowkeep 4-5 hours for a few days after launch. I got to around level 26 or so prior to this past weekend, and yesterday. I really wanted to complete the levels for the exotic gear but obviously didn't have time. So, I did what you all are going to hate, I paid over $80 to buy enough silver to purchase the remaining levels, and, I managed to finish the campaign as of 0100 this morning. I have to say it was one of the best campaign set of missions I've played in the Destiny universe. Bungie deserves a lot of credit for that. I was originally pissed off that they were rehashing the moon and the vex, but there's enough different atmosphere for me to have been very happy playing it. This is just to show it's not kids or those that can't afford it that are affected by FOMO. It's kind of why we have game manufacturers who know how to "work" the players. I gladly handed over my cash and I got a lot of in-game "stuff" to play with. Nothing wrong with that.