Here's the thing, if you don't care about the endgame stuff, rewards there and characters themselves, you don't need any S rank character in the game at all, not to mention their signature W-Engines. I mean, you'll have plenty of tapes and polys by the time you finish 3 chapter long rologue so you might as well spend them in the exclusive channel.
Oh, I agree. I’ve not yet gotten invested in Zenless to the point I’d E1 any of them (sorry, as in pulling for a limited character again after already getting them in Star Rail is getting their Eidolons, I forget what the “Eidolons” in Zenless are called), so no worries there. Also, I can skip plenty of banners, I got Ellen and Zhu Yuan, but skipped everything since and am waiting for that biker lady.
With Honkai Star Rail, I’m super invested in the cast and story by this point. Again, I skip banners of characters I’m meh on (since 2.0, the only Penacony characters I skipped were Aventurine, found the overfocus on him in 2.1 off putting, and Robin, she was just okay, and I’ve skipped the 2.4 characters as I’m just kind of eh on being back on the Luofu), but for characters I enjoy, I get them and their Light Cone as I want to really enjoy playing the characters I love. Boothill was being shit on by fans due to Firefly immediately following his banner and her clearly being better, but while as I said I invested heavily in Firefly but I also got Boothill and his LC as he was such a fun character in 2.2. It’s not even about meta (otherwise I’d have gotten Aventurine, Kafka, etc. by now), I just want the characters I got attached to in the story to feel badass in combat. When I see my E2 Firefly wreck enemies with Break so they can’t even get a hit in often, or my E2 Topaz and Numby just hitting enemies constantly, it’s so satisfying.
So yes, I’ve spent plenty in Star Rail (nothing remotely dangerous, mind you. Can’t play Star Rail without electricity in my home and food in my belly). Some may say spending on gacha is dumb, but who decides what is worth spending on for each individual? I’d save tons of money just subscribing to the official digital apps for manga and comic books as opposed to the hundreds and hundreds of manga volumes and hundreds and hundreds of comic trades/omnibuses I own, but I far prefer reading a proper book in my hand than reading from a tablet, so that extra money is well spent as far as I’m concerned.
To be clear, I’m not saying you in particular would be judgmental about spending on gacha, I just find others can be so quick to get all high-road-y about how others spend their money. Like, yeah, I bought the $50 K-pop costume set for Overwatch, sure I agree for many it’s not worth it, but as I play OW usually at least 45 minutes per day, and Sombra, Kiriko, Brigitte, and D.Va, who have those costumes, are all among my mains, I’d be lying if I said I personally didn’t get my money’s worth.