Sure,
That's the balance needed to find. But IMO the game is different to a 2k investment 10k investment and more.
Sure nobody needs to have all cards or something like that. Rentals are also cool.
But I think the game sucks for new users.
Another cool thing that could be fun for new users are "shared cards". like someone in a guild allows all members to use the cards and earn 70% of the earned rewards.
For players is "no investment" needed and the most skilled can earn the most.
Something like that would be cool IMO. Simple and easy.