Hi point of grace,Yes, and that's what stacks the deck against real amateurs.
1) Many of us who had no difficulty memorizing years ago now find it difficult to impossible. There are famous examples--Cortot, D'Albert and even Richter read from scores when playing late in life. At competitions, playing from memory is a requirement.
In my teaching experience, retired students just want to relax and enjoy music inwardly. However, anyone out there that wants to be aggresive and competitive should live it up and go for it.