The big money makers are Fortnite, yearly iterations of CoD and EA Sports titles, and mobile gacha crap. They overshadow „smaller“ AAA releases, which still mostly don’t have any mtx. Your examples are legendary. But do you remember any other flop on the 2600? Or games like Haze? Now forgotten like most other flops.
It’s not laziness, that’s always been a stupid oversimplification. The workers work hard on your entertainment product. It‘s a business decision.