My first point is about THREE versus FOUR player games and how you lose the same amount of rating even though your team with THREE players got screwed. My proposed fix is that you lose LESS rating when you are stuck with THREE players against a team of FOUR.
My second point is that there exists a match making system for a reason, try to follow me here. If you queue as dps you will be put up against another dps, if you queue as heals you will be put up against another healer, and tank etc. So when you introduce healing hybrids that queue you as dps you are blatantly manipulating the system that has no way of accounting for the hybrids as they exist currently. The only argument I have heard is that "It's not easy to play hybrid heals, you should just focus them and it's GG." Well that may be true but with the prevalence of dps juggernauts that simply switch to tank stance as full vengeance and throw a guard out means GG to the team going against a guarded hybrid healer, and that isn't even taking into the account the queue syncing pub guilds on POT5 that queue with hybrid tank juggs and hybrid healer. Most of these hybrid healers can easily accomplish 1600hps per round, that is just broken.