You only lose it if you realize the loss, this is an investment. If the game keeps developing it gonna rise back up. If you play only with the base cards you need to rent to play in silver, which diminishes your gains. Furthermore, there is no gain in playing in bronze. Rent them out if you don't want to play with them.
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Of course I play. This game is one of my favorites. It is very much fun, enjoyable and entertaining. I am just (maybe unnecessarily) (over)worried about the prices of the cards.