I have an account and a fair amount of cards. But I mostly just play with friends and we haven't played for a while. It's bad for the pocketbook!
Standard is bad for the pocketbook. Per annum it is the most expensive format. I stick to Eternal formats. They have the highest starter cost, but almost zero per annum.
I'm hoping Modern will attract more players with Modern Masters release and the scheduled Standard rotation in a few months.