Interesting observation:

Modern is no option as I believe it's a sure way to lose a ton of money and time. Tournaments still feel unfair like a poker tournament which is pay2win which only makes sense for the players who have all the cards and edge.

Yes, I agree losing time in playing modern. How about losing money?

Looking at the chart, it does feel like it kind of has been setting a base bottom level.

Looking at the chart, this provides a rare opportunity for accumulation.