I offered to write more descriptive language as a hyperlink from each term which would spell out some gray areas. One possibility would be to change the point in question to:
( ) Optional payments access normally unavailable gameplay
From there, we could explain that "normally unavailable gameplay" means it could not be accessed for free at any given time.
For example, one common model is to sell equipment. If the equipment is only ever available if you pay the fees, or by winning a one-time or annual contest, you check the box. If the equipment is sold but is otherwise possible to get on any given day, you don't.
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