I don't think it's fair to say more people should buy tokens. And actually, the equivalent of 100 bucks for me is far more than I could justify and afford as a student. And for me there's better things to spend money on than what is, let's face it only a game. One of those is probably a few pints down the pub (I'm not suggesting that I'd spend 60 quid down the pub), another may be a substantial part of a holiday or an expensive day out with friends.
I'm not saying that it's wrong to spend money a game - indeed without people like you who do spend money on it people like me wouldn't be able to play it for free. Well actually that's probably not quite true, but that's besides the point. All I'm saying is that you shouldn't expect to have too much of a hard time considering your ability to buy players when you need them, especially in the lower levels.