I disagree with your assessment that it 'isn't an addiction'.
These apps, especially auction house apps using buy now, pay later schemes, are specifically designed around triggering gambling addiction behaviors. It is basically the same way that micro transactions work for kids. Granted, it doesn't seem as severe as a full-blown gambling addict (where you don't even need to get anything to stimulate the behavior), but nevertheless, it is the same dopamine response malfunction, is a behavior specifically preyed upon by capitalism, and definitely a sign, at this stage in adult life, of some underlying mental health issues. At the core of the issue isn't the personal failure of the individual but a society that allows and tolerates this kind of exploitation of the underdeveloped and unwell.
That said, while I disagree with your diagnosis, I agree with your general solution at this time.