I have only ever purchased one premium theme and one plugin neither of which I use now. I prefer to use free plugins and themes w/o extensive GUIs. CMB2 is a perfect example of a free plugin that maximises user benefit w/o a UI and with the additional plus of encouraging me to learn and understand the underlying technologies. In light of the points raised here, WordPress.org should reconsider the ban on frameworks. Since there are risks to all approaches - frameworks, premium plugins - WordPress should follow the path of maximum benefit rather than try to determine minimum risk.