This "game" is much like real life, the rich will get richer, and you know the rest. I say this as a guy doing pretty well in real life, and a very lower middle player here.
The mechanics are just setup that way. It's written all over every forum or youtube video or whatever, yet here we all sit.
The truth is, alot of players are just having fun and hoping one day for a decent HOF or ATH... and for 99% of us it's never going to happen, yet we're still here. Honestly there must be something wrong with us .
MA, and the Ubers feed off of most of the rest of us. I see stories of depositing $200 a month constantly, or .. 4x a year or whatever it is. That's the cycle this machine lives off of.
Another year will go by, and most of us will keep having the same result. Outside of the few "lucky" ones, the rich in this game will continue to get richer. As will MA.
Thats it, really.
You said it just right and negated it all by saying "Honestly there must be something wrong with us ". There is nothing wrong with us we, like you said are having fun. There are very few pastime activities that one can do for free. Bowling, golf, building model planes all cost money and this is just one of them. I really like this game and don't mind when I have to depo because if was doing some other "Hobby" I would be doing the same.