The file cannot load because it's incompatible with this version of the game

The only "fix" I've found so far is to not accept the system roster update.  Not sure how much of a "fix" it is but I just noticed my saved franchises would **bleep** out soon after I would accept the roster update.  I started a new franchise after my previous 3 had gotten corrupted and didn't accept the roster update and so far my franchise is still resumable.

Again, it may be coincidence but it's worked so far.  The downside is that if you don't take the roster update then you probably can't play online.

I had an open case with EA and talked to a specialist at EA and he recommeneded doing a PS4 system update but that didn't work.  I had another case open with Sony and talked to one of their specialists and they recommened going in and renewing all my licenses and rebuilding the PS4 database but none of that worked either.

Hopefully, eventually, EA will release a patch to fix this.