Magic: The Gathering Online is a multiplayer adaptation of the real world trading card game. It function much like the real world game in that all cards cost money (and just as much) as the cards purchased at a brick and mortar store.
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Pro 1:1 to real world game
All card packs cost money, and just as much as they would at a store. With this you get a digital replacement for the real world game in that it behaves in the exact same manner of those that spend the time collecting can build up an arsenal of decks to compete with.
Con Dated UI
MTGO is not newbie friendly in that the UI looks very dated and it can be difficult to navigate. This makes for a learning curve many are not willing to put up with.