Hear me out:
I am horrible with saving money IRL and having the tempting Buy Gold button on the home page always puts me off with Safe Mode off, in which I am extremely grateful to have that option in the first place (even though I still disable it occasionally for monthly starter packs). On the other hand, I'd love to engage with the community and trade still with the chat and messages enabled.
I suggest that there should be a way to disable the Buy Gold button like Safe Mode does, but also have it not deactivate the chat and message sending.