Honestly, i'd just say walk away if it's not fun for you.
The rocky MS launch did suck, but now we're over to Steam and I know a few folks are giving it a second chance and honestly the Steam variant has been a literally saving grace. As for PSO2 compared to another certain MMO that plays in the same way (Soulworker) this is far superior by standards and much less demonising on the monetisation. It's still pretty bleh considering JP gets more for less and could be improved but overall for a free game, this is definitely one of the better and less restricted ones out there I've played. I think a lot of people really need to dig through the free MMO pile and you'll actually be horrified by how much worse a lot of them are. Heck we're lucky that Sega is even doing catch up. Some MMO's are stuck in the 1-2 years behind their Eastern counterparts.
So props where it's due, this is a fantastic game for playing it on a casual basis for the free stuff you do get.