It happens all the time, which is why I have this annual argument with the guys in my league that we have to change the financial payouts--they're too heavily weighted on W/L record, which are totally skewed by flukes. There's no defense in Fantasy football! Sure, the head to head matchups make for a lot of excitement, but leagues should really split the pot as follows: 50-60% based on head to head records with playoffs, championsip, etc, and 40-50% based on most points during the regular season (13 weeks). Although I've showed the stats and mad the argument to my league mates multiple times through the yrs they refuse to budge, so we're stuck with an 85/15 split favoring head to head. Thus last yr I was 2nd in points and wound up losing about $400, while a "lesser" team won "the championship" and about a grand net. Ludicrous!