Most of the f2p games have some kind of sub like dauntless, fornite, genshin impact, pretty much all the mmorpgs have it. But this sub for gta online is actually pretty good value compare to the shark cards. It's like a 500k shark card that can only be purchased once a month for $6. The 500k shark card cost $10 and can be purchased unlimited
I'd prefer to just walk around with the standard cosmeticless avatar in those situations, but to each their own.
In reality for these live service games, you just need a few whales and you make a shit ton of money.