It does look like it should be in the commander deck rather than the main set
Wick, the Whorled Mind Wick, the Whorled Mind is highly dependent on the consistent production of rats on your side of the battlefield
There are likely better Emerald/Steel lists out there, but these decks are designed to focus on and elevate the things that already work in the original starter deck
If the payment is followed by the phrase "When you do," then you'll choose any targets for that reflexive triggered ability and put it on the stack before players can take actions
Those were simple calls to make, and discussing them here wont add anything to my analysis
Never say never, of course, but the time this change could be most valuable is passing us by