Nudge
My thought was that such financial structure would bring in new players. I see your point, and can understand why that makes more sense.
Yet, there is little to no effort in this structure that would attract new players.
Worse, existing F2Ps seem to be punished.
Nudge, if those of us who pay each month had only the same items as those who are f2P the game would probably cease to exist within a couple months.
Try to see it as rewarding for monthly payments, rather than punishment for F2P, please? ;)