I am not saying restricted to all games. This is very common with most game sites. You are able to restrict certain things about the game. Game Settings, rating who can join (here measured in ELO), leave percentage (here measured in Karma). For example, the exact situation you mentioned, I don't want to have to deal with. I am sorry you freeze or don't have reliable internet connection, but I don't want to have to deal with you getting disconnected because then the other two of us have to play with AL. AL can't mimic a normal player and is a very different game than a human player.
I also have lost games because lower rated players trade with someone at 9 points to give them the win, made poor in game decisions, or didn't build something properly which a higher rated player wouldn't do. I am not saying I make all the right moves either, but again there are things in a game that I know higher rated people won't do that I see happening playing against someone who is not as experienced. I have also played with people who are playing for the first time. They don't know how to trade, they don't know how to roll, they don't know how to buy a dev card. It's PAINFUL.
But to answer your question, should you be restricted for having a lower rated ELO. No, on a whole site level. With that being said, I also should be able to start a game and chose the type of game or players I want to play with. You also have that right. If we are using the illustration of being restricted, I also play basketball. I can't just walk out on a NBA team and say, hey I want to play. I'm not good enough. If I want to play, there is a game at our local YMCA, which I am more than willing to walk out and join. It's the same scenario and I realize this is a "board game", but you have to also realize that some people might want the option to not play with less experienced players, low ELO, or Low Karma.
All I am asking the @administrators, is that option available in the paid version.