Sure, your playstyle involves obtaining the shiny new thing. That’s fine.
Sure, real money may get you to your goal easier than everything else.
However, the “normal” methods are not unrealistic or slow. If you’re talking about the Gem Store, don’t bring up Gold to Gems. If you’re talking about Pay to Win, first off, separate the cash shop from the non-CS players. If you don’t want to throw your wallet at Arenanet, then you have to realize that your playstyle will involve nothing bought from the Gem Store.
After that, realize that everything in the Gem Store is either convenience, aesthetics, or fun/silly items.
You don’t need convenience to surpass others.
You don’t need to be pretty to surpass others (perhaps in a beauty contest, but that’s a niche playstyle which involves obtaining lots of skins, see: expensive).
You don’t need to have for fun/silly items to surpass others.
Yes, you can throw your money at the game and get more things than players who spend their time obtaining them. That’s true, but you won’t succeed unless your playstyle doesn’t actually involve any of the combat styles of the game (see: winning).
You don’t need to get a skin to beat other players or bosses. In Maplestory, you DO need to get godly items to beat other players or bosses.
Sure, you might not enjoy having only one bank tab. That’s understandable. You might also not enjoy using characters for bank space. That’s also understandable. However, if you are going to go down the route of playing as a person who puts themselves into a position where it’s “I need this, but I don’t want to get this because it’s more efficient to spend real money” you might need to re-evaluate your gaming style or your game.
It’s been more efficient to get gold via real money for over a year. If you wanted the most efficient method of getting gold, it would be to get a part time job (or even a full time job). You use that money to get gold. Now, obviously, most players don’t like that idea at all, but it’s real and it exists.
Now, just to play the devil’s advocate, think about this:
If you spend a few hours ingame doing dungeons and playing the TP (while doing dungeons), you can earn yourself a shiny penny, upwards of 10-20g in a few hours. Even more if you’re very efficient at what you do. You’ve worked for that gold and you’ve earned it.
If you spend a few hours at work doing whatever your job description requires, you can earn yourself a shiny penny, at least $5 an hour (mowing Aunt Lizzie’s lawn. If she’s cheap, then maybe you should re-evaluate your job). Even more if you’re very efficient at what you do. You’ve worked for that money and you’ve earned it.
Sure, if the person who worked ingame wanted to buy something from the Gem Store, they would be in for a bad time. That’s true.
Sure, if the person who worked in reality wanted to buy something in the Trading Post, they would be in for an easy time. That’s also true.
But did neither of them earn their currencies?
If they both spend their ingame currencies on obtaining a Legendary, then both of them will have earned it through dedication and hard work.
However, only one of them would actually have the skills to show that they’re good. The other, however, would have a job and therefore isn’t any worse than the first player.
While Gem→Gold may interfere with your playstyle, keep in mind that the currency exchange is based on how much people use either side. The reason why it’s so expensive is because most players don’t buy gold with gems. Next time you see someone with a Legendary, try to figure out if they bought it with gold, gems, or made it themselves. If you do that with every player you see with a Legendary, I assure you, you’ll rarely find the casual whale.
Additionally, and this is the main point, spending real money will not give you any advantage over another player unless you count looking swag as being an advantage.
But haven’t you ever heard that being fashionable isn’t cheap?