I don't think it was Destiny, really. All their launch games were already heavy into microtransactions where remotely possible.
It just seems like they are finding the pot of gold with wheelspins (racing games) and card packs (everything else).
Hard to tell how, if at all, something like Rise of the Tomb Raider was actually influenced by this or if it was more of a Square Enix thing, though. Seems like a big coincidence.
There are rng cards/wheelspins in tomb raider? Ewwww.