As had been pointed out, no one is being forced to spend any money on this free game. We also have a choice to spend or not at our own discretion.
Some people may spend money to speed things up in order to more quickly customize and individualize their character(s). Other will not spend a dime and just take their time getting the same things.
For me personally, I haven't spent any money. I would if I could, but I am poor.
And whether we spend money or not, we will continue to win or lose at the table just as we always have, and just like eachother.
Lastly, thank you to the folks who do spend their money. It's because of them that this game continues to grow and improve. Hopefully one day I can do the same.