I don't know what the average score is, but I have (anecdotally) over the decades repeatedly conversed with the people face-to-face who have discovered the film (watching the original release, later renting it from a video store, later finding it online) and commenting to me (personally) that the film is deep and makes you think. It seems to, in some otherwise intelligent people, prime conspiratorial thinking/Cartesian Skepticism regarding the social realm ("OMG, what if!?"). This is how I feel it is overrated. Decades of anecdotes in which I have spoken with dear and intelligent people who rate it higher than I think it deserves relative to this central conceit.
I recall seeing the film at its original release and feeling ambivalent about it and a fellow viewer put his finger on the problem (or at least my problem) with the Rube-Goldberg premise of the film. He commented as we left,
"I'm supposed to believe all that, I can't even send two guys to the store to get a pack of cigarettes without someone screwing it up." The movie demands a lot of store credit from the viewer as a loan to invest in the infrastructure of building the bridge by which we suspend belief.
If a film is surrealist or whimsical I can roll with it (e.g.,
The Dark Backward, 1991). If the style of the film is "realistic" and not already in a genre which has struck a bargain with me (e.g., OK, in a vampire film, there will be vampires, I accept that), then I am not turning my brain off in terms of simple verisimilitude. And too much has to happen just perfectly for
The Game to produce the manipulative causal sequence that we watch.
There is a similar twist in
WARNING: "Is it really my fault if you haven't seen a 40-year-old movie?" spoilers below
April Fools Day,
April Fools Day,
, but as that film is a slasher with a comedic edge (pun intended?), I accept a similar scenario as a heightened/hyperbolic reality. Moreover, this film does not ask me or invite me (as
The Game has prompted so many of its viewers to do) to consider that my own life might the result of a deep conspiracy.
The Truman Show pulls it off, because it is a comedy, a comedy with a bit of tragedy and dystopic commentary, but a comedy nevertheless. That and it is set in a future application of technology, which primes me to accept the coupon I honor for "science fiction" (e.g., "OK, faster than light is impossible, but I am going to accept that your spaceship goes faster-than-light, let's just get on with the rest of it).
I think
The Game is OK, but for me it asks too much and I cannot rate it so highly on the basis of the question it appears to invite, because it never really "paid" for the question with a fictional warrant (a realistic world in which I believe all the stars might align in this way). And if the reason you rated it highly was because of this warrant, then I believe you have overrated the film.
I think it has something in common with J.J. Abrams films generally running one step ahead of their plot holes. If you don't think about it and are just dazzled by all the lens flares, then it works. But if you bring the same logic you would bring to a typical episode of Star Trek, then it all falls apart.
Probably more than you asked for, but there it is.