Enough people have to be done with the microtransaction scheme for it to work. It's only going to take a few dudes who get bored and start tinkering on their own. But yes UE5 is sweet! This dude documented his whole process from zero programming to making a game that he's since released on steam. He shows how he sources different things like customized models and lighting and all kinds of stuff in the video series. I see this as a "much watch" couple of videos for dudes interested in the idea of making a game. He even shared the results of his stuff as a dev with the steam store in a follow up video.

youtu.be/w2xKPrThHuE?feature=shared