I feel I loose a lot more to the bot (I'm level 45-46). Big money (which the bot mostly plays, with some support Actions) is, according to the best players, rarely the best strategy, but that doesn't mean it is a guaranteed loss vs a better one.
Of course there is shuffle luck, and mediocre players like me have less of a chance to get an advantage in all games to still come out ahaead when the luck is against us. Or when I try a stragety that then turns out to simply not work. A good player may understand their chance with some Engine vs. Big money ist 70:30, that still means they could loose 30% of games! I have no idea how tilted those chances actually are in high level play, as these players don't play much against Lord Rat, AFAIK. The games against Lord Rat are just not interesting to them, from what I understand.