I don't think people are afraid, they probably believe that you choose to play in ELO and thus will refuse challenge from "non Elo" players.
The easiest way not to be in Elo mode is to have a deck over 25 points (1 points per level for each character, a lvl 3 is 3 points) or to have the same card twice (possibly at different levels) in your deck. That is if you don't want to play in Elo mode
You can find more information on the ELO mode in the Game Rules pages
Urban Rivals | Free Online Manga Trading Card Game | TCG | MMO
The Urban Rivals team is made by lovers of all kind of Collectibles Cards Games and Trading Cards Games like: Magic the Gathering, Dominion, Vampire, Yu-Gi-Oh!, Pokemon, Wakfu TCG, Assassin Creed Recollection, Shadow Era, Kard Kombat and Might & Magic Duel of Champions.