The play to earn model is literally a ponzi scheme with a fancier name. The money you earn has to come from somewhere. It doesn’t appear out of thin air. In 100% of P2E games, the earliest players get paid by the revenue from later players. Eventually, the game stops growing, so the later players are left holding the bag.
Obviously, some people make a lot of money in ponzi schemes (most notably, the people that start the ponzi scheme in the first place), but it’s a terrible design for people that aren’t the ponzi creators or the first adopters lucky enough to get in on the ground floor.
Stress is relative to your own personal conditions. It’s not absolute. A tech executive might have a nice house and financial security, but if he’s working 80 hours/week under intense pressure to meet some deadline, that’s still stressful. Nobody wants to be perceived as a failure at work, even if their personal financial consequences for failure are minimal.
Your argument seems to imply it’s impossible to feel stress if you’re comfortable in life. Even the poorest Americans can count on access to food, clean running water, electricity, internet, etc. For most of humanity’s existence, and still today in some parts of the world, these would be considered enormous luxuries, so anyone with access to them would be seen as extremely comfortable in life. Clearly though, people can still be stressed out despite having access to these sorts of things that most of history would consider luxurious.
Stress is relative, not absolute.