I've played a lot of f2f bridge. I like online ACBL tourneys much better. It's now been about 3 years since I've really played in a f2f tourney. I finally figured out, that for me, tourneys were stressful and exhausting. I well understand that's not the case for everyone, but, for me, that was the case. I like having the online ACBL tourneys as an alternative. I can relax at home, and play. I don't care much about the masterpoints one way or the other, but the partners I play with like to win points if we do well, so that's why I end up in those tourneys. I have played quite a number of them, and I have not noticed people cheating against me, or at least it's not something that enters my head too often. I'm sure it happens. Just as I know it was happening in f2f bridge. I guess, I feel like it's sort of just something that does go on, and I've always felt that if one must cheat to win, it's something that makes me pity them. I play to learn, worry about my own plays and bids, and don't judge anybody else. It works for me. I know not everyone agrees. Just my two cents!