There's a super easy line to draw actually and it has nothing to do with art
Are you selling a product or an experience?
If you're talking about someone addicted to fantasy novels or video games, they are addicted to products.
If you're talking about someone addicted to opening Magic the Gathering booster packs, or videogame loot boxes, or sports gambling, or prediction markets, they are addicted to experiences. In the case of loot boxes they are experiences shaped like products but the addiction is about the experience of opening the box, not really whatever is inside
So.. easier than you seem to think
Of course once lawyers get involved they'll quibble over this shit until the sun goes out
If you paid for world of warcraft by the hour does that change if it is an experience or a product?
This doesn't really work because products and experiences have too much overlap.
What you are really against I think is the different ways in which we are gift wrapping a skinner box, but there are an infinite number of ways to wrap it that will bypass your specification system.
Which will matter to no one except lawyers
When most people smell shit they don't care if it's rat shit or cat shit, they just know it smells bad