This video is a detailed answer to threads like
https://www.reddit.com/r/AshesofCreation/comments/o8ub6q/why_is_15_month_not_enough/
In that thread I gave a breakdown of the money from the $90,000,000 annually that Ok-Brilliant-2050 stipulated that Intrepid Studios would make. They are under the assumption that $7,5000,000 monthly means that Steven can pay himself back in less than 6 months.
It is ok to have that opinion, until you have experience with business, and you want to take a genuine look at where the money is going to go.
So, as a follow up to my answer in that thread, I put together this video. Hope it clears up any confusion about why $15 Monthly may NOT be enough and why Intrepid has chosen to use a Cosmetic Cash Shop option.
https://youtu.be/rcPt_g8iMWc