While i agree with what you are saying (there are master cards that are impossible to get, no matter how much you grind), i have a 93 team and havent spent a dime. All my players are over 88, and this is because each event gives me enough collectibles to get at least one player that makes my roster. I focus on D when i can (most expensive cards). Using hte market is super handy also; i make lots of money that way. Depending on what you want, chosing to sell cards instead of making sets with them in order to unlock one pack may make a big difference. I dont have time to play all the games in offline play, but i play the ones i can confidently expect to win 2k in points for and get the rewards. I play all the rush games and i don tplya rivals at all