TOTY LOANS THE NEW META?

Every freaken game I've played thus far, TOTY loans...and God help me my team feels slow to react, became less repsonsive and cannot pass for sh*t because this TOTY loans are on steroids. Those playing with there regular squards are now punished which is down right stupid. 

I can just imagine what hell will breakout when these TOTY cards are in full swing...pack purchases will escalate, your current squard will feel like bronze bronze/silver squards.

Another marketing ploy by EA?