The problem is the cost of silver. Pretty much all publishers set a uniform cost for their in-game currency, at rates that start $5 or under and escalate above $100. It's inane to pay more on in-game currency than it is to buy the actual game upfront, but that's the way all devs/publishers go. What's disappointing about D2 in comparison is that most other devs give you a way to earn currency in game, with real money transactions being a short-cut if you don't want the grind. So my proposition to Bungie is this; give us a way to earn silver in game, or adjust the cost of silver.