Dying in Chargen
This also dovetails back into the unionizing idea, because the actual cost is on the corporations which employ the highest earners, as part of their compensation.....interestingly enough, companies (such as Hasbro) are able to leverage the existing model that the rest of the industry uses to exact excess profits from D&D.
In other words, and I am quite sure you know this- Hasbro, despite having an incredibly profitable and successful brand both in and of itself and as a source for IP, continues to use the same model that the rest of the industry does, with a high reliance on free-lance artists and writers.
Which would be like Disney saying, "Hey, we know that these MCU movies make a lot of money, but people make TikTok for fun, why not just not pay our people? The Mouse needs to EAT!"
I guess this is part of the reason my friends call me a Bolshevik with a Business Degree.