Online or offline, kids' Names, Images and Likenesses are being used in a commercial capacity. It has nothing to do with sharing rosters or pushing to the community, it is simply USING a kid's name without their approval. 10-11 years ago, this wasn't an issue but now it is - your beef is with the legalities surrounding the issue, not EA. Perhaps you have better lawyers to argue the case.
Again, timing wise, many of these kids will not sign their NLI to their schools until February of next year at which time they would have the opportunity to opt-in to the next year's game. If EA were to allow custom players starting now, that would be nearly 7 months of kids having their NIL used without compensation. Perhaps between now and the next game, EA will work something out legally/logistically with the schools and future players to allow this - for example, after they opt-in, they get a bit of extra compensation based on the possibility their NIL was used in a previous iteration of the game. I can guarantee that the next "Arch Manning" coming out of high school would find a way to sue if his NIL was used in a game prior to his authorization, whereas 3* Johnny Johnson probably would think it's cool and wouldn't care - it only takes one big lawsuit to jack things up. Just look at all the former NCAA players getting retroactive NIL compensation from the recent court case.