rating system and individual progress

I play chess just online (chess.com and elsewhere), I have no friends who play chess (In Brazil chess is not so popular). My experience is limited to players who have the same rating as me. Stronger players do not risk playing against weak players because a defeat means more than a victory. I do not blame them for this, it's a consequence of the rating system.

Who does not remember the controversy surrounding Fischer's participation in a high-level tournament? And who does not remember the same effect with Kasparov in 1979, when they complained about the risk that was to play against a player without rating?

I think if I could play against players from 2000 or 2100 I would lose a lot of bad habits, learn some new techniques, and soon reach their level. If I play 10 games against someone 200 points above me, I can lose 10, but in the next 10 I would probably win 1, and the next 10 would win 3 and so on ...

On the other hand I remember the general rule to level up in poker and maybe it is also useful in chess.

In poker there are also levels (NL2, NL5, NL10, NL24, etc.). The rule to level up is: Beat NL2 before going to NL5. In poker you know what your level is when you neither lose nor win. For example: if you are at the NL10 level then it is easy for you to make a profit in NL2, but in NL10 you tend to balance. The other players think alike you so what you win here will lose there and the balance is maintained.

I think in chess we also have this scenario. Maybe it's better, instead of wanting to play at a higher level, play at a level a bit below and be completely sure that you can win each of the games that play at that level.

I have 1850-1900, sometimes I can reach 1910 (peak 1932) and sometimes I can go to 1800, but it is only natural that I can keep 1850-1900. But it's a bit frustrating because I win 2 games, I lose 3, then I win 3, I lose 2, I win more 3, I lose 4 without any progress!

But if I play against players from 1650-1750 it might be more interesting.

What do you think about this? Does anyone have something to say?