Agree. Tbh, them charging stubs to play is pretty scandalous, they've done quite a few little things this year to eat away at your stubs (like how you can't quick sell or even exchange locked in items) and it's particularly hard on offline players who have very limited ways of making stubs other than the market.
On the whole though, it feels like most of the offline content is aimed at online players, not offline ones. It's about being able to get it over and done with and get the rewards, rather than aimed at being an interesting and engaging way of playing the game long term. Kind of summed up by the team affinity moments netting you a truly pointless 3 points, an amount that is utterly useless to offline players as everything works in 5's.