You should look at Elder Scrolls Online.
£10 a month for ESO+ with same amount of atoms/crowns. But those crowns wont even buy a mount or anything.
Houses cost upwards of £100, and you NEED ESO+ SUB to buy some of them. A small cat assistant will cost you £50. In fact THOUSANDS of items cost upwards of £10-50.
They sell a single glowing light furnishing for like £30.
Theres an even scummier method where the special items you can ONLY BUY by BUYING LOOT BOXES, and then converting them to a special currency. Sometimes it'll take about £100-£200 worth of Loot Boxes just to afford a certain design of Sword. Or Shield. About £100-£200 PER PIECE OF ARMOR. And theres about 10 for a full body of same armour. Thats not including the money and resources you need to get materials, or even be a high enough level to craft it. Luckily you can pay £3 to speed up Research. And you need to do that about 180 times to complete it (per character of course)
Look at the list of Mounts in ESO:
Elder Scrolls Online Wiki will guide you with the best information on: Classes, Skills, Races, Builds, Dungeons, Sets, Skyshards and more!
elderscrollsonline.wiki.fextralife.com
Literally hunrdreds. You can only obtain 3 types of Horse in-game, the rest you NEED to spend money for.
In fact, Elder Scrolls Online recently allowed you to
purchase your skills with real money that you usually gain by levelling up. Theres about 15 or so Skill Lines, each are about $15 to unlock fully. You can also
pay for more Skills via Skyshard purchasing with real money saving you the 'effort' of exploring the world and obtaining them naturally (so thats 30 sets of Skyshards to buy, each at god knows what price). ESO is basically Pay 2 Win at this point.
In fact ESO is consistently lacking a challenge, the ONLY CHALLENGE is overcoming 'wait'-timers which of course can be circumvented by paying.