First off, Payday 3 has zero local play. 100% DRM. This means that if their matchmaking system goes down, you don't get to play the game. Now, this isn't a complete deal-breaker for me, provided the matchmaker doesn't go down. After an hour of play, the matchmaker went down for the rest of the night.
And that's exactly why I'm hoping to convince more people to make this a deal-breaker. The servers going down is inevitable. If they stay up, it's a bonus that makes your life easier. Of course, for Payday, I'm not expecting LAN, private servers, or split-screen. They make far too much money from funneling you to their cash shop. I just hope that the lack of these features is soon seen as a black mark that makes a game unmarketable.