Oh boy! Another Cash Card thread! What are the odds?
I thought I'd put in my perspective of how I see Cash Cards, and how I see it as a minor issue with GTAO, as there has been nothing but voices mostly opposing cash cards, as well as ideas going round as if Rockstar is conspiring against us to use them. All of this, I will say, is just what I think and is not fact, but I hope it will also give faith that Rockstar isn't as evil as certain other publishers... you know the ones.
First of all, there's no conspiracy or secret motive, and while the payout has changed a lot since GTAO started, in which I'm a little saddened by, I severely doubt that is the case for those cards. I will admit balancing an economy makes it more difficult and it's less fun, but fun is also subjective.
While it could be argued that Rockstar is pushing us to use them, I don't think Rockstar is depending on those cash cards. For one thing, relying on microtransactions isn't very reliable and forcing people to use them isn't a good business model either. People will buy them, but it isn't a strong finance model. I'd think they'd use cash cards as a financial boost as much as we do in the game, but it's not the be-all end-all for money in the game, in the cases of the developer and the player.
You could argue about the Whale Shark Card being so expensive, but I don't see many people buying that card, hence it's such a high price. I don't see Rockstar making too much on those cards, I think game sales make up much more than that as not everyone will be playing GTAO, but also not everyone playing GTAO is going to use cash cards.
In regards to price, take the following into consideration: while not everyone buys these, I also doubt Rockstar takes in 100% of the transaction. I'm pretty sure, down in the middle, Sony and Microsoft have to take a percentage of the take per transaction, because it's going through their store system and they are the seller, so it makes sense the seller has to take some of the profit.
As far as making money is concerned, it isn't that difficult in GTAO. Partaking in missions, gang attacks, races, survivals, selling cars, attacking armoured trucks, and robbing stores can easily build up your character's finances in a few hours. Cash cards are not a necessity, as while the payouts have gone down in GTAO, they're not that damaging. People will cry foul at this point and blame cash cards, but if you actually play the game you will find that payouts build up quickly. Remember, even if you start earning pittens, over time it becomes a fortune, especially in GTAO.
I will admit that things are horrifically priced in GTAO, but again, the grind helps. I'm beginning to play more missions and survivals due to payout, and it's helping the finances I want to achieve and what I want to spend it on. I may have bought a shark card myself, but I only used one as financial assurance in case my finances sink.
Finally, remember, we're not being forced to buy cash cards. Cash cards are not a necessity in the game, and you can still earn money. It's gratifying to earn money in GTAO, save, and spend it on something useful, it gives a strong sense of achievement, and can help achieve more things.
Hopefully my point of view has been constructive, and hopefully it's a break of flow from the negativity of cash cards. As aforementioned we're not forced to buy them, but playing the game helps finances, as long as you carry the virtue of patience and you'll soon be sitting on a monolith of the mighty dollar.