Biggest complication would be if you disable purchaseable packs you deny purchase of packs with earned stubs as well as purchased stubs. That would have to be sacrificed.
Yeah, not ideal. SDS is far from predatory when it comes to microtransactions, probably the friendliest sport's title in that regard. It's the FIFA's of the world that have gotten the attention of lawmakers and caused this crackdown.
There are just those games that push it too far. When you have literal chance casino games on the screen, it should have the "simulated gambling" label. (NBA2K) It is a real problem for some kids that lack self-control and their parents just think it's a basketball game. If more companies followed SDS's example, there would not need to be legislation.