The thing is that by and large, only #2 out of your list is included in the big profits of these companies.
The other thing is somewhere between 1 and 3, namely grown-ups with cash from work but who find it absolutely normal to pay a certain amount per week for their favorite game. Because they’ve never known different.
And then of course, there’s the really fucked up group: problem spenders. Who are explicitly targetted and exploited by these shit companies.