Yh. I hope they work on systems like that. Because all I did was horde my tradeable pack pulls all year, and I sold during TOTY. I do not see anything wrong with that. I presume their system flagged my account because everyone was losing coins as the market was down, and I was making more coins. But I still think it's unfair. I am fortunate they kept me on console, at least.
But now, I don't really know if I should be playing or not, as they broke one of my friends mentally during the TOTY promo. He grinded for hours, and he got cooked. Meanwhile, people sat on this same game with insane dupe storages. I don't mind if these things happen, but I believe the lucky ones keep getting lucky. There is no balance system where those who didn't get anything will get something in the future, but no. It'll still be a cook session. My friend was putting in like 1500 hours plus in FUT yearly. Now, he's gone.