Absolutely pay to win. I've been playing this since it came out, and I still have to just collect daily bonuses for a week at a time to collect enough to play. My gf spent probably 400-500 $ in her first week a few months ago, tripled my level, and she still has billions in chips several months later without spending anymore since and hits HUGE still after several months. The odds are NOT random, we have proven that. People who pay big, are very much favored. We proved it.