Maybe classes. "Loot heavy" isn't a requirement for RPGs or even something I'd expect out of one. I mean, yeah, you get loot and upgrades in an RPG but Borderlands (and similar loot-driven games) take it to an extreme where everything is disposable versus traditional RPGs where attaining the Silver Blade of Dragonkin is a major goal.
Ultimately, I think "RPG" just gets thrown at basically everything, kind of like "open world".
Much like Weiler, I'm enjoying The Division and, much like Weiler, I had largely avoided it prior to this weekend because everyone constantly had their feathers in a ruffle over what was going on in the game. An early mission against an especially bullet-spongey boss initially left me feeling negative about the combat but with time and upgrades I'm liking it much more. I'd still say that the enemies soak a ridiculous amount of damage but I can handle it better and have fun with it. While it can be fun on its own, it's definitely more enjoyable in a group. I think a couple people bought it over the weekend so now we're committed to playing it for a bit.
Despite its constant loot churn, I'm not calling The Division an RPG either, so there.