If #4 actually existed platforms and developers would put real prices in the games instead of obfuscate the transactions and currencies. This would make them the same as every online and brick-and-mortar shop, where children and adults alike are not inadvertently spending thousands of dollars stemming from a single small purchase but may do so with explicit consent.

There are definitely millions of #1 though, we know this because Apple, Facebook, Amazon and Google have all been sued for the sheer volume of #1s they allowed/enabled to be defrauded.

https://www.ftc.gov/news-events/press-releases/2014/09/googl...

https://www.ftc.gov/news-events/press-releases/2014/01/apple...

https://www.reuters.com/article/us-facebook-classaction-idUS...

https://www.ftcadlaw.com/ftc-scores-big-win-against-amazon-i...