An avid chess player cannot beat top-tier chess software, which is free. Stockfish has a rating of 3000+ and the top player in the world plays at a rating of ~2800
that's pretty insane but for someone to have programmed that wouldn't they have been able to produce a score that is 3000+ also? , or am i just completely wrong
Well, no, that's not really how it works. In this case, computer programs rely first and foremost in their capacity to quickly look ahead through the large number of available moves, analyzing every possible course of action and its consequence, within a set time frame (optimized with some clever algorithms, so they don't actually waste time checking any and every move) - something that a human player just can't really do as well, or as fast (even if they know how that process works in theory).
This is the reason it's hard to make any PVP based casino game. When people smell money they will spend long hours making hacks to take advantage of the system and PvP games need to receive a lot of input from the player's computer, which is a weakness.
There are at least a few ways to overcome the advantage computers have: one way could be to increase the number of possible moves in a game; another could be to avoid perfect information games (where both/all players have access to all available information on the status of the game).