I've been a contract worker on and off for many years. As such as I've had to shop for health insurance for myself and family. ACA has been a mixed bag, even with subsidies. Pre ACA, I was able to get pretty darned good insurance for myself, my wife, and our only child (at the time) for about $700/month. This was a low deductible pan with a $20 copay. I don't recall the exact deductible but I think it was between $1k-$2k. My wife had a pre-existing condition at the time; there was a waiting period for benefits to kick in that would apply to her condition which ended up not being a big deal; I forget the duration of the wait period.
Post ACA, I initially received a very small subsidy but all of the plan prices jumped tremendously. All of the plans shot to ~$1k a month for what we considered to be worse coverage. Higher deductibles, no included doctor visits other than a yearly wellness checkup. Basically close to catastrophic insurance. For quite a bit more. Oh we had given birth to our second child at this time so there was an additional family member, but children are cheap to insure, relatively speaking. Any plans that were close to the coverage that we had before were out of reach. The subsidy was something like $100-$150 for us. Our family income was under $100k/year.
Eventually the subsidies changed.. along with the plan prices, which continued to go up. That said, there was a time when my out of pocket (again for not so great insurance) was about $600/month after the subsidies. I've since had a career change and am again working under contract. This time around, perhaps because of increased income, I'm getting no subsidy although my state (Oregon) covers my children's healthcare. My wife and I pay. $950ish a month for a silver plan which is still pretty crappy insurance.
I'm sure there are a lot of nuances to the system and the subsidies that I'm unaware of, but starting as a young family in the system, ACA has hardly felt like a win to us. But my perspective is that we have fewer options available to us and it's all generally more expensive than pre ACA.
In sports, in less-competitive settings, it's common go match up with players quite a bit above or below your skill level or athletic ability. There are things to learn in both scenarios: When playing against less competitive opponents, you can work on aspects of your game that may be less developed, which is much more challenging to do when you have to play at full speed/intensity. On the other hand, playing against better players gives you a chance to see what they do differently than you, so you can learn to match or counter it. In other words, there are things to be learned from being the best player on the court as well as being the worst player on the court.
Emotionally, it can also be beneficial to see where you've come from, so that you can clearly look back on where you were at this time last year, etc. and see "wow, I used to struggle with x, y, and z." If the bracket constantly changes as you improve, it's difficult to see that and can be frustrating. And that's where I think the matchmaking systems can be frustrating: if they're active all of the time. Sometimes you want to just have a more relaxing experience playing a game. But sometimes you want to be very competitive. If there's no easy way to switch things up to meet your mood, then a game becomes a bit more one dimensional. It is a game after all. It's supposed to be fun. If you always have to play a game at maximum effort, then that game can lose its fun aspect.
I don't think it's all about wanting to pwn n00bs. (Although it's not... not that.)
Full disclosure: I no longer play video games.
If you're comparing female to male couch potatoes, sure that may well be. And of course someone who's been doing a physical activity regular for some time will have an advantage over someone who does not, regardless of gender. But if both male and females spend the same amount of time working at a given activity, *in general*, the differences are absolutely staggering. This can easily be seen in sports, both professional and amateur. I'm about 5'5", 135 lbs and play basketball... not really the greatest sport for my stature, but hey I love the game. Anyways, my point is I'm more like the size of female players than male. But the difference in athleticism is readily apparent. Small sample size and anecdotal, I know, but it's also backed up conclusively by professional sports.
(Of course, there are the exceptional female athletes who are more athletic than most male athletes. But even they are unable, at the top levels of competition, to compete with the exceptional male athletes, at least in terms of pure athleticism.)
"Don't think; let the machine do it for you!" -- E. C. Berkeley