TBH I dont know how friendly it is, im FTP at the moment, but whaled pretty hard at the start, and went cold turkey for a bit from over spending! Getting the best stuff is massively unlikely as FTP, stories of some people spending $7k + and not getting some of the ultimate cards that are limited time release etc but theoretically you can get any card if lucky enough as FTP, just odds are against you, guess like most gacha games.
Anyway, I enjoy it a lot more now I dont feel the need to get everything, and it has got quite a lot of content that I would say is worth a play through at least once. If you do start, dont use your growstars unless you are absolutely sure its worth upgrading the card, and dont spend any magicite until you have saved up enough to purchase the 3k magicite mobius monthly box!