The monetization model of competitive mobile games has always been a highly controversial topic.

At the absolute highest levels of play, having a fully maxed-out account is an unspoken, mandatory requirement.
The Journey of a Free Player
Despite the advantages of spending money, it is entirely possible to reach the top arenas as a free-to-play user.

Free players must rely on skill to overcome the inevitable level disadvantages they will face on the ladder.
Don't tilt when math beats your skill.Avoid decks with four or more legendaries.Watch professional players use your specific deck. How Spending Changes the Game
Technically, most titles in this genre use a 'pay-to-progress' model rather than strict 'pay-to-win'.

In tournament-standard modes where all card levels are equalized, skill is the only deciding factor.
SpenderBenefitDrawbackThe WhaleCan max out any new card instantly on release dayOften relies on card levels rather than fundamental skillFree PlayerExperiences massive satisfaction upon reaching the topHighly vulnerable to major balance changes The Final Verdict
If your goal is to be the number one player in the world on the standard ladder, you will likely need to spend money.

Focus on your own improvement, ignore the opponent's card levels, and play the best game you possibly can.

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