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.
Playing Without Paying
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.
Gold is the biggest bottleneck for F2P.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.
Match TypeImpact of MoneyRegular QueueMassive advantage to spenders in the mid-to-high arenasGrand TournamentsPurely skill-based, the truest form of competition Skill vs Wallet
If your goal is to be the number one player in the world on the standard ladder, you will likely need to spend money.

The arena respects skill above all else, and true talent always rises to the top eventually.

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