You are not alone. Me too, have like 50% in CPU and RAM but still have lags as hell.
The only thing that helps me is playing around with the graphics settings. For example, after the last update, I found that setting the graphics to automatic, starting the match in kick-off mode, restarting about three times, and repeating this process either prevents the match from freezing or prevents the menu from freezing, and then I switch to low graphics. It's different after every update, and today I'm also getting black screens. And no, the low graphics don't look low, they look ultra. I've never had such problems with this game in my life, at most the camera reset in the last FIFA, but this is terrible. It always takes me hours to figure out how to get the game to not freeze after an update.