I would agree with point 3,4 and 5 but not the other three. There is no point in disallowed goals, How annoying to think you have scored for it to only be ruled out. As for point (2) I think it would be unfair to punish players in this way, not everyone has enough packs to keep moral at 99% and it would be unfair for these people to lose players for 3 matches because a player has been sent off for fighting etc. Point (6) is the same for me, again punishing players with low moral, I think playing poorly due to bad moral is sufficient. Some good ideas though.