If you'd have access to all cards, that'd make for a very different game. For me, as a casual player, trying to make decks work with what I have and making calc

If you'd have access to all cards, that'd make for a very different game. For me, as a casual player, trying to make decks work with what I have and making calculated decisions of which cards to spend my money (real or virtual) on is a big part of the charm of the game. Also, about the comment in parenthesis: I'm guessing you meant Standard. In that case, it makes sense. If you really meant Modern, I'd find it problematic. Since Modern doesn't rotate (unlike Standard), that would make it an accumulative cost unless you decide to deliberately drop the ability to play with cards which are still legal.