Somewhat reductively, that means all games are pay to win, because at the extreme, having enough money to retire, devote yourself to the game, hire tutors, etc. = more power.
As you say, this is so reductive as to be meaningless (it includes all games, so you might as well just say "game"). Pay-to-win means you pay the company to get an edge in the game.
Not really. You could have Scrooge McDuck vault levels of gold and all the training time in the world and you'll probably still get absolutely destroyed by Gary Kasparov in a casual game of chess.
There's always a genetic component that influences your min and max levels at any given skill.
You might not beat Gary Kasparov, but if you retired, hired a coach, and devoted yourself to chess, you would be better than your counterfactual equivalent who doesn't.
