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.

It forces you to play perfectly, tracking their resources and punishing their overconfident mistakes relentlessly.
Never waste gold on the daily shop offers.Always participate in clan wars for the weekly chest.Don't waste books on cards you rarely use. How Spending Changes the Game
Technically, most titles in this genre use a 'pay-to-progress' model rather than strict 'pay-to-win'.

However, once both players are fully maxed, the financial advantage completely disappears.
Player TypeAdvantageWeaknessHeavy SpenderCan 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 Skill vs Wallet
But if you simply want to enjoy highly competitive, skill-based matches, the free-to-play path is incredibly rewarding.

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

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