Yeah, Division 2 is like that. Ya gotta earn your way.
It's how games should be. I generally avoid games that have micro-transactions for anything other than cosmetics for this very reason.

I'm old school gamer; I want the challenge of the game. I want solid gameplay, not to be "dazzled" by cutscenes and overly-rendered graphics (I'm looking at you Metro: Exodus). If I'm spending more time being a spectator or following a "rail"-like level layout than actually playing a game, then the game sucks.

I reckon I should definitely give this one a shot.