I don't believe the game is rigged to make you lose balls. The caddy is a moron but that's not his fault, it's just how he was programmed. You absolutely have to check what shot/club he's given you, almost every shot.
As to the game robbing us of balls I can't remember the last time I had a big WTF? moment and lost one. I drop the odd one in the water at Congressional but 99% it's when I miss the ding on either #6 or #18. I seriously can't remember the last time I went OOB.
Maybe there are players who get screwed, losing balls even when they play perfect shots. Nobody can know what goes on with someone else's game, I can only base my arguament on what I see on my screen. And that's that a badly set up or executed shot will give a bad result. If I play what I know is a great shot the result is almost always great.
There are many who will claim this is because I buy credits with real money and have the best (most expensive) gear currently available to me. They will claim WGT only messes with you if you don't continue to feed them the mighty $$. It seems as if Courteney gets on fine with the game and she doesn't use real money. Do you wear a tin foil hat to block those VEM waves WGT is beaming down to you?