As someone with relatively large fingers also, I can see where you're coming from on the small keyboard. But lately they have been easier to use with swyping and voice-to-text. Swyping is pretty nice once you get the hang of it.
I do feel the same about the price of smartphones, but I only ever play low-graphics casual games on a budget phone to stave off boredom. Although there are some mobile RPGs I think are worth playing on an emulator or browser.
MTAs don't bother me that much as long as I'm not forced to use them, which I think RPGs are pretty good about (puzzle games not so much, lol). In a way, I think freemium games can actually be pretty interesting since they require extra planning and research to get around f2p barriers, and I have a very weird addiction to researching games (I have a dedicated folder for gaming notes).