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I cannot agree with the statement "if the opponent does not confirm, don't play with them."
And it was about ranked games.
If you enjoy playing with someone, play and have fun =)). That's the main thing =)
in a veiled way, this is almost a call NOT TO PLAY WITH NEWBIES!
And the concept of "newbie" is very relative.
Regarding the "debt" system.
It is quite optimal.
I fully support it.