[thenameipicked]

1. I'd expect that in most pay-to-win video games, the top players are not also the top spenders. Depends on the amount of strategy and skill required.

2. No, because the people writing the rules of Golf aren't the ones that sell you clubs (as far as I know. Maybe there's some devious stuff going on behind the scenes).

3. Correct.

While I don't think "money is the only thing that determines the winner", Magic is absolutely is pay-to-win. It would not be pay-to-win if people could print their own cards (following a set of standards, of course), even though printing costs money.