The main difference is speed, so when we launch the game or new additions/seasons we may create contests to see who's first to reach paragon etc, guess we can simply disable hbd payments in those instances.
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I think speed shouldn't affect it that much, as long as you offer the ad/pay to skip at the same rate to the user. An ad usually takes around 30 seconds. You can artificially make payment confirmation 30 seconds. It is a very easy problem to solve.
In any case they would progress faster than anyone who doesn't watch ads or pays.