You sound an awful lot like a vested stakeholder in Madden trying hard to justify it using cherry picked "logic". I'll address your argument with holistic and unbiased logic from a hardcore fan of football who would love to see Madden as a successful and beloved game.
The extreme majority of online games are won by the higher overall team regardless of IQ or skill. I could stop here. This is already your #1 issue and reason why people hate your game. But I'll dig deeper and provide more constructive feedback and several solutions.
Playing against the CPU gets very boring very quickly. This is because the CPU still fails to react logically to counter your scheme. So either you decimate the CPU on lower difficulties, or you struggle on the highest difficulty not because of logic, but because the CPU players are destroying every one of your players 1 on 1 and now you have to exploit game mechanics to win instead of depending on strategy and team building. Not much you can do about this except hope AI gets better so that your CPU can play smarter. And then higher difficulties can adjust how smart and strategic the CPU is instead of just making every player substantially better.
This leaves you with two options to enjoy the game long-term. Play Now mode with your friends, or play online competitive matchmaking. Play Now with your friends is consistently enjoyable to me, but these days most people aren't playing couch co-op too often. So not a viable long-term entertainment solution.
This leaves online matchmaking as the only answer to possibly entertain people long-term. There are many gameplay mechanics to take issue with, but really there are two main problems that are the primary reason people get pissed and throw their controller through a wall when they play these modes. 1. Everyone online calls 1-3 plays on repeat the entire game, and usually it's some broken play they got from YouTube that hasn't been patched yet. 2. The higher OVR team wins a massive majority of the games.
So let's say I'm a football lover at heart. And I want to run a power gap scheme with a mix of QB options and a vertical pass game in MUT. I build my team to fit this scheme and hop into a game. I'm facing a team 2-3 OVR better than me. What does this mean? Every single defensive lineman on his team is higher OVR than my entire O-line. He also has his safeties 7 yards off the line of scrimmage so the box is loaded every snap and I'm averaging 2.1 YPC. I try to punish the extremely low safeties with some PA Portland concepts. Only the safeties are psychic and instantly sprint backwards and because they're higher OVR than my players they are faster too so they actually lock up the exact concept that should punish them. On the other side of the ball my opponent rotates through 1-3 money plays they found on YouTube which glitch out the coverage for huge plays or even one play TDs.
Now in my line of work we have a saying: "Don't bring me a problem if you don't have a solution". So here's my solution. Bring back the old MUT 25 (from like 2012 not 2025) setting where can filter matchmaking to teams within 1 OVR of you. You can then have some kind of "open bracket" mode with juiced up rewards that has no OVR filter to still give incentive to buy packs. Now I already know what you're gonna say. "Well in MUT 25 everyone would have 68 OVR players as their starters and then substitute in 90 OVR players after the game starts". So just calculate team overall by averaging the highest 11 OVR players on offense with the highest 11 OVR players on defense instead of by depth chart. Maybe you can give a tiny bit of weight to the highest OVR kicker and punter too.
This solves the team overall issue. So what about teams spamming YouTube money plays every snap of the game? Well I personally am completely against the idea of limiting play call amounts. The solution I can think of requires pretty robust gameplay mechanic changes, a change to how player OVR is calculated, and a very robust tutorial/trainer system to teach people football IQ.
First is the run game. Right now it's entirely possible (and common) to have an entire team that's fantastic in both run and pass game on both sides. This shouldn't be a thing. Teams should have strengths and weaknesses. Being well rounded should significantly increase a player's OVR so that people actually have to strategize team building into strengths and weaknesses. Want an elite pass rush? You'll either have to sacrifice run defense, or sacrifice other defenders, or sacrifice offensive players, otherwise your team OVR will go way up and you'll face better teams. And if you're well rounded, but they're built to run the ball, then they'll have an advantage at running the ball to attack. This change would make it where each matchup has a strength and weakness each team can exploit, rather than the higher OVR team just being slightly better in every single way. This would also finally put emphasis on having good rotational players. Maybe add package substitutions back to the game like you had years ago and add it to MUT so you can build specific packages out of different formations from the MUT home lineup, and then quickly access it during games to utilize different players skill sets.
For the pass game, I already made a long post about how to fix that. But essentially it should be based on real life coverage rules, and include a variety of calls and coverage adjustments to counter an opponent exploiting specific route combos repeatedly. This would require an extensive tutorial library to teach players different coverage rules so that they can properly user, but this is supposed to be a simulation game. Players should have to learn how these advanced coverage rules work if they want to be competitive. They should have to properly attack a coverages weakness to complete a throw, not call one play that always gets someone open no matter what.
Being a good online player on Madden at this point is all about having a better team, knowing the current money plays, and getting really good at using them to torch any coverage. Then using some glitch on defense to exploit game mechanics or building an absurd Frankenstein coverage from YouTube. This isn't fun for anyone. It just pisses everyone off and then they leave angry reviews because Madden has caused them to break three controllers. It's time to stop calling the consumers entitled ignorant idiots, and actually acknowledge that most of them are truly not having fun playing your game. As a producer that should actually care about whether their consumer enjoys their product, it is 100% your responsibility to find a way to make the game enjoyable for most players. Most players are football fans, not hyper-competitive borderline autistic glitch exploitation freaks, and not rich enough to buy teams better than everyone elses.