Stuck in a high division rivals rank

I'm in division 3 and 90% of the matches I play is a loss. Why? Because every opponent I come up against is better than me. Why does EA make this game so discouraging and toxic to play? Why can't someone who is not at the skill level of a certain division drop down to a more suitable level? It makes no sense at all to play when you're always going up against way better opponents and getting smashed 5+ goals every single match and barely being able to score 1 goal. FC25 has many bad things but for me matchmaking settings is the worst and it's because EA forces players to get locked up in the wrong division. We should be able to rank up and down according to wins and losses. It doesn't make sense for me to stay in division 3 when I lose 9+ matches in row. If FC26 has the same treacherous system I won't be playing it.