Well, you're actually on to something there.
Solo queue = no loss if someone on the team leaves.
Team queue = loss if a premade fireteam membmer leaves, but no loss if someone of the match made team mates leaves.
The match making isn't skill based though, it's glory-based. You can have someone with 3.0 kd at 100 glory and a 0.5 kd at 1000 glory.
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That is what I said. The matchmaking can still pull you into games where you will get utterly curbstomped bevause it's glory and not skill, encouraging quiting mid-game because you're going to lose anyways.