I keep hearing how expensive this is to play .. but it really is not that expensive. If you were to by a 10 pack initially, then this is the breakdown.
So you would have paid $99.95 /10 = $9.95 / season for the initial buy in.
If you play 10 seasons then it comes time to renew. Let's assume you did this for performance during the 10 seasons:
4 seasons, miss post season play: 4 x $1.50 = $6 credits
3 Seasons 1st Round: 3 x$3.00 = $9 credits
2 Seasons 2nd Round: 2 x $5.00 = $10 Credits
1 Season Sweet 16: 1 x $10.00 = $10 Credits
That performance, which is not really that hard to get, gives you $35.00 in credits ... 99.95-$35.00=69.95 to renew or $7.00/season
If you instead were to get 2 misses, 2 first round, 2 second round, 2 sweet sixteen, and 2 elite eights .. that would be 3+6+10+20+30=$69.00 in credits ... or $99.95 - $69.00 = 30.95 or $3.10/season when you buy a new 10 pack.
If you happen to play for a championship and lose, you get 4000 reward points, or 2 free seasons .. win a championship, 6000 reward points or 3 free seasons.
So, if you do moderately well, the cost is $7 per season, if you do well it is $3.10 per season, and if you do really well it can be almost free. Even if you absolutely suck (never make the NT), it is $9.95 - $1.50 = $8.45 per season for the renewals.
How long is a season .. for 2x world it is 30 days ... for a 1x world it is 48 days.
So, per month, it would be (max): ($8.45 / 30 days) x (365 days / year x year/12 months) = $8.57 / month for 2x world
or ($8.45 / 48 days) x (365 days / year x year/12 months) = $8.57 / month for 1x world = $5.36 / month for 1x world
And those numbers are if you NEVER go to the NT .. if you buy 10 packs, after playing the first 10 pack.
Is that too expensive? For some people it will be, for others it will not. It is no more than one would pay in a year to join a Rivals or 247 Sports subscription for a college team (as an example). Is this game that important to you? One has to answer that for themselves .. but if you get at all good at the game, the cost decreases significantly.