美国消费者金融保护局：2024年电子游戏与虚拟世界中的银行业务研究报告（英文版）

The gaming industry has evolved rapidly, and gaming assets, such as in-game currency and virtual items, have become increasingly valuable alongside that evolution. Beginning in arcades, gaming originally relied on a one-time payment model, where players would pay a few cents for the opportunity to collect “power pellets” or purses. The industry soon shifted to home computers and consoles, where players would pay a fixed, up-front cost to play a game from beginning to end, collecting gold coin