With our combat system it doesn't really matter what your defense level is when you don't wear any armour.
Therefore it sure is possible you lost from a level 84, e.g. I lost in a whip vs D scim stake from a level 70-80 whilst my combat level is 126.

But i'm considering to stop with the game ,because i lost al my money and i don't Wonna make another 70m+! But theres one problem , i stil like the game...

There's of course a chance you can lose vs lower levels...

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