Some time ago I had similar idea, but Segrain and The Duke of Ben already mentioned why it is impossible to do such template without adding some additional rules.
Instead I made quite original 1 vs 1 template, where using gift card isn't obligatory, but it's definitely profitable due to negative bonuses.
I won't get into details here, but many players liked it, somebody even decided to make a tournament:
http://warlight.net/MultiPlayer.aspx?TournamentID=1795
- in the chat of this tournament you can find few links to games on this template, they illustrate the main idea.
And of course you can still join this tournament :)