Yes exactly. I will say, that if you play micro or low stakes, cheating is not something to worry to much about on any reputable site. And if you are not winning in micro or low stakes games, then the reason is almost certainly not cheating.
This statement show, that you are still a mental beginner at poker, even if you have supposedly been playing for 20 years. If people play to many hands and play them poorly, its easier to win against them, not more difficult. It might be, that "bad regs" at higher stakes are more predictable and therefore somewhat easier to play against. But that does not mean, they are easier to beat, since they tend to not make big mistakes, you can profit from.
Its cool, that you managed to withdraw 4 times, but this does not mean, there will not be problems with payouts in the future. Ponzi schemes work fine, as long as new money is coming in, but when the flow of money dry up, or authorities crack down, then the last people to join the party are left with empty pockets. I am not saying, that this site or club is a ponzi scheme. But at the same time you have no way of knowing, if the person running the club have used someone elses money to pay you out.
With regulated sites there is actually oversight, that they dont use players deposits to cover their expenses, like infamously Full Tilt did. And unregulated sites like ACR, that have been around for 20 years and have a history of always paying out, also have a higher credibility than a brand new club run by a single individual. I would not have life changing money sitting on a site like ACR, but I still feel, that my money is safer there, than they would be, if I trusted them to some private club.
Its cool, that you enjoy to play there. But I would advice you to do something different, which is to take advantage of the regulated sites, that are available to you, like WSOP or PokerStars Michigan. These are geofenced, which mean, you wont be able to participate in some of the largest online tournaments, and game selection and guaranties will be less compared to the largest international sites due to lower volume.
But there is also an upside to geofencing, which is, that you dont have to compete with regulars from all over the world including many from low or mid income areas like Eastern Europe, South America or South East Asia. And this should logically make games softer particularly at the lower stakes, where you dont have to contend with nearly as many "microstakes pros" trying to build up their bankroll or grind out a small hourly profit. And you will have the comfort of playing on sites, that are completely legal, and where there is government oversight.