I'm a pretty frugal player and not competitive at all, but I still feel a little spark when I see the fancy, expensive cards.

IMO There's a balance. People are responsible for themselves, but that doesn't necessarily remove culpability from the seller. I think it's easy to assume that everyone is a perfectly rational agent capable of avoiding bad deals through reason alone, but desire is a funny thing. The most extreme example is the drug dealer (or the cartel, or the US government, however high up you want to go on the chain) and there's definitely a gradient of moral responsibility from there.