If there is one thing R* has been battling since day one with this game, it's players not playing the game "as intended". Whether it's abusing exploits, glitching, or even being anti-social grinders, apparently. R* wants the game to be played a certain way and complaining about how "fair" it is might fall on deaf ears. R* decided that they wanted to slow players down a bit and encourage group play. Maybe this is tied up with the upcoming heists, where players will be expected to work together and wait for eachother at certain points, taking your time and being methodical. Who knows.
Can't disagree with R* wanting this to be played a certain way, but all the reasons you listed imo come down to shark cards.
There's no way any company would introduce shark cards without giving incentives to buy them. It's why heists won't pay well, or if they do they'll be beyond the average players ability.
Why is this business model frowned upon?
Simple. Shark cards simply give back the ability everyone used to have when Online first started, and everyone knows this.
Whether or not you're the cash card conspiracist like I am, or you think "R* wants to improve longevity". (which I think is absurd, *fun* gameplay improves longevity, not money). Doesn't matter if R* changed its mind from before and tries to fix their mistake. It's too late. Cats out of the box.
It's kind of like being the parent of a spoiled 8 year old and taking away her laptop then replacing it with a cardboard box.
Our ability to make money is being capped with each passing update. No if, ands, or buts about it. This isn't up for debate.