I'm 800 hours in and I still feel useless. [Feedback]

So yeah I've been playing for a while now but I still lose 80-90 % of fights. I'm a casual player I can only play on weekends. I feel like it's too risky to invest all my money in good gear just to lose it all to a chad. I make my money by scav running the hidden stashes on customs. What am I doing wrong here? I feel like I'm outclassed every single raid. Customs is my safe place and even in that map I tend to lose.

Wipe is fairly recent yet I can't seem to find a fair match...

Is the gear fear killing me? Is it the lack of combat skill? Do I need to play arena? Are most chads cheating? Is it even worth playing tarkov casually?