I don't think its too late to get in. Start out by purchasing random cards and you'll get lucky sometimes, and sometimes not. Over time, the game will attract more and more users. I'm the last guy to get into games, but kinda like this one.
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I have an addictive personality that I'm highly aware of, so when it comes to things that combine fun with spending money, I tend to steer clear, out of fear of going in with everything and coming out with nothing.
I'm not criticizing the game. I assume it's a productive hobby for many who get what they want out of it in ways that are satisfying.
Spend money, but get an income stream at the same time actually. A SIM income has a good return.
Is it time consuming?
I spend between 5 min ~ 20 min a day or so.