And no, I don't buy "but there could be".
You do know WotC popularized the concept of TCGs and have made insane bank from basically this mechanism, right? I'd be interested to know how the digital card-packet-opening in the online version of MtG works, because unless you can trade cards you don't need to other players, that is, functionally, a loot box - only worse because it's part of gameplay! If you can trade excess cards it's rather less bad.
As I said, I think it's unlikely there will be lootboxes or similar, but that's solely due to changes in the legislative environment in Europe and parts of Asia. If this were 10 years ago, I have zero doubt WotC would absolutely have been selling loot boxes or similar.
Who says I spend hundreds of dollars on DDB? But even if I did we have people who admit they've spent thousands of dollars on terrain. If they want to spend their money that way or spending $20 for lunch by going out to eat every day more power to them. But I'm not worried about the "what might happen" bogeyman. If they go a direction I don't want I'll cancel my subscription. My particular hobby is still cheap, especially compared to things like MtG.
That confirms what I was saying, yes. Because you're wealthy enough, you don't have to care about what might happen. You don't even have to think about it. I'm not suggesting you do spend hundreds of dollars on DDB, but you could, and if you lost that, to you that's a major issue or regret.
I'm unsure though if you're missing the point, or intentionally refusing to acknowledge it. That point, to be clear, is that whilst you and other (the people spending thousands on MtG, for example) are largely consequence-free here, that's not really the norm. Especially as most D&D players are in their 20s and 30s, and comparatively vastly worse off than your generation (given I know you're at least 40-something).
So you're good - but others are not so safe, and you seem to dismissing the idea that anyone could be put in a bad position by enshittification here.
Basically your position seems to be, if I understand correctly "I've got mine, so if bad things happen because of enshittification in the future, I'm still fine, and who care about anyone else?". Is that wrong?