Am I the only one who likes both aspects? If I had the funding, I would hoard cards in their 100s until I had them all. But I also really like playing too.
As for the pay to win thing, I know what you mean. Very annoying, considering they already have your money. FIFA are guilty of it on Ultimate Team. Me and @Geoffers747 discussed the insanity of pouring money (literally, some of my friends have probably spent about £200/$300 on packs) just to then get the next FIFA and none of it matter. I wish everyone would boycott pay to win things, but sadly no…
A CCG I feel that isn’t so guilty of this though is Hearthstone. Perhaps it’s because it’s still in Beta so people don’t have decks full of legendary cards, but even then they’re not unbeatable. The YouTuber I watch, Broloth, can play the basic deck that they give you, with only common cards in it, and win. You just need to be good at the game.