... It seems that this is a disincentive to play much lower rated players - as far as ratings literally nothing to gain and a lot to lose...

ChessNetwork, currently rated 4200, now only plays unrated games since the policy of minimum one point changed.
I like playing blitz (G/10) and just randomly pick opponents. But I have noticed that if I win against a player who is about 500-600 points lower than me I don't get a point for the win. This seems somewhat absurd - I could theoretically beat one of these players 99 times out of a hundred, but if I would lose the 100th I would get nothing for the 99 wins and lose about 14 points for the lose. It seems that this is a disincentive to play much lower rated players - as far as ratings literally nothing to gain and a lot to lose. I know I could abort these games, but again I'd rather play everyone and give these guys a chance to play me. I know, I know, I shouldn't care about ratings, but I do. It's fun to win or draw against a higher rated player and its fun to try to keep my rating at a certain level and even try to reach a new high.