Not playing games to avoid rating loss
Protect Your Rating?
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Realising you are overrated and not daring to play as a result.
protecting your rating is a practice that high level players use at over the board events mostly. If you're a GM and you don't want to get upset by a lower rated player, sometimes you just play for the draw to lose less points.
#4
The income of professional players depends on their rating:
that is how they get invitations for closed tournaments.
For non-professional players rating is not an issue.
What does that mean?