All the games that are similar in construction with Top Eleven are pay to win. You cannot put limits or something is the reality we must face. As long as you do not have a physical control over the player in the end is a pay to win game.

... or you can start digging on the forum or many other Top Eleven communities and try to understand better the game. Sometimes you can win the title with a 3 stars team easier then with a 7 stars team but to do that you must spend some time in-game.

Maybe is your fault as well cause you always focus on literally the best players on the market rather then those accessible to you?