They are just looking to pad their division so they can win more $$$!
You are dead on! If you have 22 rated rounds and your rating says you should play MA3 then do it and show the "you're number one" sign to any who say you are wrong.
When your tournament game (not doubles or 3-headed monster or casual rounds) improves enough to compete in MA2 your rating will make it so you HAVE to play MA2.
All of the old-school "if you win a division you have to move up" or "you'll get better faster by playing higher divisions" is a bunch of crap.
And the wussies who get browbeaten into playing a division 25+ rating points above their rating (assuming a good sample of rated rounds) because of the stupid NAME of the division, DESERVE to get fleeced by the players playing in the correct division for their rating.
Now there is a MAJOR difference between playing Pro and playing AM. When to turn Pro and jump into the big pond is a totally different discussion. But what division to play in AM is pretty cut and dried. Unless there is some outside reason why your rating is artificially low (injury, very few rated rounds, took extended time off from competition etc.) then you should be playing in a division that your rating dictates. And as soon as you start to play consistently in competition, your rating will increase and force you to play in the next division.
The system can work, but only if we all play by the same rules.
Mr. Phillips and Sam can bite me!