None of those people have actually worked on Fallout 76. People say that Howard wasn't even there most of the time. I doubt 76 was his idea either.
Todd Howard was the game's Director and it was written by Emil:
https://www.imdb.com/title/tt8495446/
Not to mention that both Bethesda Softworks and Bethesda Game Studios had to approve the game. They have to approve every game from their IPs. They decide what's in the games of their IPs too. That is why Bethesda had to tell Obsidian what they could or couldn't make/include in Fallout New Vegas (and Obsidian did had quite a few restriction, like how the game had to be after Fallout 3 in timeline, how they couldn't include an entire settlement, how they had to see three landmarks from each other landmark, etc).
You are missing the point, it's the Millenials and younger generations who shape today's gaming industry, games are made by them and more importantly FOR them. They have no issues paying for shit games, be it a mobile game or a console game. Yes, console games, the beginning of the disease called consolitis, it was all because of the Millenials. Not to mention they are the ones who praise FO3 and 4 and keep shitting on the original games, which wasn't made by the Millenials.
And you're missing the point too. They are definitely aiming at the 35-40 audience, because those are the ones that buy games. And they are making the games more dumbed down because many of those players have no time or patience to play complex games. Even Pete Hines said that was why they made Fallout 4 dialogue teh way it was, because he as a gamer couldn't be bothered to read all of it because the older he gets, the less patience he has for that.
They do make their games "kiddie safe" so parents play them with their own kids, so the kids grow and then become consumers too. But it is definitely aimed at the older people, with fat wallets, that prefer a game that doesn't take long to get into and play.
Who do you think buys all those shitty mobile games today, not to mention spend money on shitty microtransactions? I'm 48 and I've never even wanted a smartphone, let alone paying to play games on it.
Just because you're different from the average consumer, doesn't make all consumers to be like you. I use public transports here and I can tell you that majority of people who play those shitty mobile games are adults, the younger people are usually using Social Media, Chat/Messaging and watching videos/comics on their phones.
I am also not interested in mobile games, but I can see every time I go on a bus, that I am in the minority here.
I highly doubt that people of that age group or older would be interested in playing an online game with a 12 year old though. In other words, I doubt FO76 was made for them. And I bet they are the ones who complain the most about 76.
And I highly believe they want to play the game with 12 years old, if they are their kids. As a matter of fact, a few stories from Fallout 76 players are about how while making their character in the vault start (before you can mute other players speech), they could hear adults talking to kids about their characters in the same room. There is even that famous story about the awful father that was berating his kid while he was making his character, because his kid's character wasn't white enough. It even made the kid cry.