It may be happening, but that is not the fault or intent of the developer. And people are banned when they are found to be doing it.
You could say the same thing about Madden. I can't use mobile quarterbacks. But I'm awesome with Payton Manning and Tom Brady (two frowned upon QBs in the MUT game). Player preference doesn't change. Problem is I can't buy Manning or Brady straight up. I can buy anyone I want in MLB.
The design of the mode is sound, with this exception. You can not directly link money to in game currency. You need two forms of currency - One to purchase random cards (in the form of packs, so this would be okay with cash) and one to run your Community Market.
I'm curious as (posting this again) to whether you think two forms of currency would make the game mode better. If you do, then you and I agree on basics and are arguing the semantics of the effects of "Player Skill". If you don't, I would like you to explain how.
I don't mind having a back and forth with you, but I'd like it if you responded to my posts instead of turning the attention to another point so that we could make this more constructive.