No, actually not *all* content is available to *all* players. Everyone is still stuck with the randomness of it all. Everything starts locked. If you pay money, you don't have to spend as much time unlocking things. Remember the
VentureBeat article I posted many pages ago? Even after opening 50 Spectre packs, and spending $100, they still were missing a ton of unlocks. And there aren't any guarantees you'll ever be able to unlock it all (which is fine on its own, except for the fact that they're clearly trying to encourage people to pay for unlocks by offering that as an option).
COD Elite doesn't belong in this discussion, it's just a package deal on all the MW3 map packs. That's DLC. I hate the pricing structure of DLC, but the consumer base has accepted it, so it's here to stay. At least you're getting something tangible and new when you buy it. With a Spectre pack, you're merely paying to randomly unlock on-disc content quicker than by playing the game. Also, there are already rumors of ME3 multiplayer DLC, so they're doing the same thing.
Again, the problem isn't necessarily the unlock system in ME3, the problem is that design choices were made with the purpose of monetizing the system. Remove the money aspect, and I don't question it. But with it there, it makes me think that EA/Bioware weren't planning on giving us the best possible experience, they were just trying to line their pockets.