Oh yes of course some use a lot of money, but i think it is a small group. And yes, i do think Chrystall used a good amount of real money too :) But not for the amp of the whole equip. She is very active (questing, selling/trading), so she makes a lot of gold herself too :)
As i experience it; there's a big group of players that do not use mcoins, a good group that bought some mcoins, and a small group that uses a lot of mcoins. The fact is; you meet (in game or in arena) this last group a lot because they are very active. When you face a group in arena every time when you do your free tickets, you face 100% big spenders, but still it are only 3 (3x3) players but doing 200+ tickets every day.