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The load screen shows you advertisements for microtransactions the entire time. It's their main source of revenue. It's why they didn't end up making more singleplayer content for GTA V. Don't think they're in a rush to show people fewer advertisements for virtual currency.
GTA: Online has pretty much killed GTA as a game franchise from my perspective. I wouldn't be surprised if future releases are a hollow shell of what it used to be since they'll focus on online content that's far cheaper to make and earns tons of microtransaction money.
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GTA IV had en.wikipedia.org/wiki/Grand_The and en.wikipedia.org/wiki/Grand_The which are substantial expansions with their own campaigns with stories, voice acting, etc.
GTA: Online is based around selling people virtual currency. Mechanics are based around it. Literally pay for car insurance.
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surely the gargantuan loading screen drives more users/money away than it brings in by constantly playing ads. Aren’t the ads for in game items anyway?
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They advertise in-game purchases because they sell the currency used to buy them with real money. They advertise buying the in-game currency too. It goes hand in hand. They have to convince people there are a bunch of things they want to buy with the in-game currency first.
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