Not really. GF cards alone break that entire idea... plus there's the question of why you'd want to penalize partially leveling up your deck even if it can't be used in the tournament. I think it would actually motivate people to not level up cards. "I can go this far, but if I level up any more of my cards I have to go into gold and I don't have enough to level up all my cards."
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You certainly know more about these things so happy to take your advice.