Confused about how points are granted

Very often, i’ll get penalty points for loseing against 5 pre-made, while we might only have 2 pre-made. I don’t really see how it’s fair. Being 5 pre-made, is the biggest advantage you could have.

The thing is that people make parties with low elo accounts and smurfs, which cant be matched against equal five man parties because matchmaker things they are not as strong as other same rank players.

For me this has been thing this month. I cant progress on rankings because of this “cheat strat”. Usually even the five man team is way stronger than yours. Their teams mmr isnt just stabilized and you got vs them. Other way is to tank account by losing much and then win with diamond player.