99+%... Whah?
This isn't the communist utopia your asking for. It is good and healthy that people can choose to have a deck at whatever level and variety they want.
There are levels to skill and investment.
Good news is with a combo of enough time, effort or investment a player can get to whatever level they want to be at.
Good luck getting where you want to be at.
I'm not saying that there shouldn't be a required investment, tournaments would just be way more fun, fair and accessible to more in case there was a dynamic where everyone played on a level playing field. I'm sure there is a way to do this properly. Clearly the current model is not working.
But there are tournaments at different levels: novice, bronze, silver, gold, diamond .. you don't think that helps?
It would be even worse without those. My main point stays which is that tournaments themselves one way or another should always be played on a fully level playing field. This doesn't mean that the entry cost or even the prize money can't vary based on the collection of cards certain players own.
with the current model, tournaments are only attractive for players who own all the cards which is not realistic even at lower levels for most players.