Is PIP loss based on individual performance? No.
Is Tier loss based on individual performance? No.
The entire system revolves around 50% WR. That means anyone with enough time will eventually get to the endpoint as long as he/she maintains WR above 50%. And even if that person does not get to 50% game will make sure the person does. It will add PIPs by “guessing” win chance and deciding whether to take away PIP or not based on team score (not individual). It seems like a socialistic system where you simply have to play the system to succeed. (I am not exactly opposed to socialism. In many aspects of MMO it is a necessity and 50% WR system is a must to maintain balance/community).
Is PIP loss to ensure some people do not cross certain tiers? I believe, that has to be the main reason why you would want to put this mechanism in the place. This means as high you go in divisions, lesser and lesser number of players there will be in the pool. That makes sense. But, if that is the intent — segregation of players by skills-- then why would you instill match making mechanisms to mix players who are at the top of the pyramid into the mix of players who are not in there yet? Queue time? If queue time is a matter of worry then why are you even segregating players this way? Honestly, you can’t have this both ways.
You are also allowing players who are teaming up with lower division players (friends, guildies etc.) to form partial teams (duo, trio etc.) into a match up with higher division players when the match standard is set at the highest division. In this system, theoretically, it is not expected a lower division player to even perform at a level that will be needed to compete against a higher division player. So, by allowing this you are actually doing a disservice to both the higher division players and the lower division players. And in this process, you are murdering Solo Queuers.
So, let me ask again…what exactly is the purpose of PIP loss for an individual in high tiers in this game? Please rethink and instill a system that serves everyone fairly.
“If there is anyone here whom I have not offended, I am sorry.”