But we're not talking about "Pen & Paper" RPG's. We're talking about a CCG, while, like a VG, is a very different beast than your traditional RPG.
If you say that Mony Haul experiences are "more likey a card... game", it might suggest that a CCG RPG would be a lot more like a CRPG than a traditional one, especially given the nature of "collectable" card games.
RPG's don't need to be creative or cooperative experiences, though it's certainly nice if they are. GURPS, for example, gave in their core rulebook a sample adventure which involved only one PC (it would have taken a lot of work to modify it to allow for multipler players), and only a limited degree of creativity. It was introductory, but the fact that it was not cooperative, etc., didn't seem to phase the GURPS folks.
For a definition, how's this?:
"A type of game, played either with pencil and paper, on a computer, or through another medium, in which the player(s) assume the role of a character. Gameplay is usually determined in part by statistics attached to each character and frequently influenced by a character class."