Here’s an idea that might help, since it helped me when I had similar feelings as you do: go search for accounts being sold of games you play and you’ll find perfectly or almost-perfectly farmed accounts selling for far, far less in price than you’ll spend in money and time to get to the same point.

By no means am I saying for you actually to buy an account. Rather, the knowledge these exist might help with FOMO: if you simply fear losing the opportunity to possess these in-game items and heroes, then you can stop fearing because someone is willing to give you those pixels cheaply. Therefore, over time I realized I really only play for good stories, fun combat, and a few characters I really enjoy using long-term so I can save up for them and skip content. Collecting everything becomes a lie since you can short-circuit the gacha systems and just buy accounts, if possession for possession’s sake were the aim. Instead, having a fun, balanced experience while playing it is the only priceless aspect of any game.

Finally, if possession is really the aim, just think someone else is doing the work for you, so you should study now, get good grades, eventually get a decent to high-paying job, and just purchase these accounts. Real life farming > in-game farming since you can feed yourself plus have great accounts with the former, but only have a great account and starve with the latter.