This is no different from any other game, or just about any sport really. If complete armatures with poor equipment could win it all, it
really wouldn’t be very interesting or challenging.
However, you have some bad assumptions. I can assemble a winning team for free (yes it will likely take longer than if I pay to play) and skill development is free. And despite some people claiming there is no skill, there clearly is. Those that don’t think so just are stuck not understanding how to work a board, how to set up a defense team or how to create a synergistic offense.