Fix defending and refereeing

So this is my 2nd year playing with every single 1st division team with 3 or more stars and I noticed a few things:

-The referees with the 4 and 1/2 and 5 star teams tend to be lenient on the cards: for example you're going 1 on 1 with the gk, there's a foul and they might only issue a YC when it should be a RC.  

-Added time: please apply the same like in the Premier League and the lower divisions in England.  Game gets paused, substitutions happen and the added time is only 2, possibly, 3 minutes.  Also when pausing the game, if the one who's winning pauses it, which sometimes they do to just irritate the s---- out of you, it should only be 30 seconds.  If the person who pauses the game is the one losing, he should get a full 60 seconds because they obviously are looking to make adjustments.

-DEFENDING: Lately I've been scoring 5-7 goals and lose.  Last night I was playing with Argentina and the opponent was Bayern Munich: how is Harry Kane so fast and good with the ball???  Also Galatasaray is so over rated, it's RIDICOLOUS.  I, like a lot of people here, watch live games and then go play online and it's so frustrating that somebody kicks off, dribbles one guy in midfield and then it's wide open to score.  Also I would like it if we could manually adjust the positioning like in FIFA24.  I had created a 5-5-0 tactic with Argentina that was very hard to break because of how close I had the players on the field and now it's this tactic where it's preset and I can't position them where I want to.  I don't want to just have to do 4-2-4 to tie a game, I would like to maybe do a 3-2-5 or anything else I would feel like doing.

Thank you for your time.