You don't pay people because it's the only motivator. You pay people because you need money to survive in this world. If we don't, then the only people who can afford to spend time making mods are those who are already have their basic needs taken care of through other means.
I would like to see a world where anyone with the passion for modding can make mods.
Loot box and that gambling business aside, wouldn't the FOMO argument also apply to the video game itself? If everyone around you is playing this game, you'll be pressured into purchasing it yourself as well.