Where did this question come from and what makes you think this would penalize you personally?

I can answer this question. If he choose champ, most low level cards become unavailable and his win rate from 50% to 5%. If he choose bronze, all maxed out cards has a cap and equalize low level cards, the money spent on them wastes and his win rate drop from 50% to 40%. Worst thing is SPS allocation is very top heavy(champ has more than half), if you want more rewards you have to choose champ and spend more to max out deck. You may aruge it is designed to be it. but comparing with current system , this is penalty.