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About monetization, well... it can help to grow quicker but nothing that you can't achieve playing. I'ts a bit slower than other 2k titles... but is not really hard to reach 90 playing career easily.
Therefore the best NBA 2K today is NBA 2K19. Plus it's really a good opus. You won't avoid microtransactions though but you don't need to 'use' your real wallet (it's only virtual currency).