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On a pay-for-perks MUD, the existing players will still have every thing you outline above (practice, skills, equipment, know-how). The difference between that and a subscription or free MUD is that they can also have additional perks which they bought. The gap is larger, not smaller.
Now, a new player can try to make up that gap by spending more than the average established player has already spent in their entire careers. However, new players will be more conservative with money, not less. They don't know what perks to buy, where the best value is, or how to best exploit what they buy. They'll thusly get less out of each dollar that an experienced player would, meaning they're falling even further behind even if they spend at the same rate as the average player. Again, the gap is larger, not smaller.
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