Thing is... The few aren't taking. The many are!

The few top players who actually get the 20 reward cards per day, are both really skilled and invested a lot into SteemMonsters to get the decks they currently have! They've not invested a couple times more than the newbies, they've invested litterally tens to hundreds of times more than the newbies...

And even the newbies, with just the starterpack, can get into silver III, Silver II and Silver I, depending on their skill. Using the reward cards they obtain everyday through completing quests, they can then rise further in the rankings and even enter gold fairly quickly. The 20:1 ratio for daily quests is not really relevant, except for extreme cases. And the 30:1 ratio is even more irrelevant, since it only counts for bronze I members, which is really only the newest players who don't yet know how to play and who don't have any decent cards. And even they will probably rise further quite quickly.