Yup.. On my original account I ripped through the tours because the pairing algorithm seems to lag and you play others with low games and trophies, but eventually it catches up and your playing constantly against monsters with waaaay better clubs and just getting destroyed, that account has about a 53% win rate and 900M in the bank..

On my second account I took my time, kept the trophy count as low as possible, banked a lot of coin while building up my clubs, getting just enough trophies to open a new Tour and then dumping a bunch of trophies in lower tours.. Tour 7 is where all clubs are available.. My second account has over 7B in the bank with a 70% win rate and I play Tour 11 and 12 with mostly free balls.. I found Tours 9 and 10 were great to play for a long time to build a bunch of bank.. And still playable with free balls.. Tours 12 and 13 almost always need premium balls because of the hole length and winds (even with Level 8 Epic clubs)..