Totally agree apart from the p2w aspect, there are ramafications to that and they influence the game experience even for those that have no interest in accruing lots of power or wealth. Its a pitfall many many MMOs have fallen into. Even without P2W there will be lots of asymmetry in the game economy and faction strengths etc. just because people have varying amounts of time to invest in it.
The presence of great asymmetry in faction power and influence may be intentional, but still, introduce a direct monetary conversion into gameplay advantage and what you get is all the filth that belong to power and money; it corrupts, and it makes things a tad too real for many who think their presence in a video game can be a substitute for whatever they lack in the real world; that is what games intend to do, but that is also why any ties with that real world are dangerous, volatile psychology.
Not really. Your bonus ships are the same urge to 'cheat' in a multi player environment and the fact they sell them is also paid cheating. Its the axe on the roots of the PU as a fair playground.
The lifetime insurance on its own was bad enough already.
This whole topic comes down to: do you want whales to govern the game economy and progression rate, or would you like it tailored to healthy and sane investments of time? If you want the latter, you should oppose any and all P2W influences. If you support the former, what you will get is yet another bot infested grind and zergfest and rat race plus massive evonomy inflation and a constant race to the next best exploit. And a game that is not immersive, but feels like a rat race.
As a student of philosophy, you cannot possibly miss this..