you see in real football both skills and money matter. you see clubs like Chelsea or real Madrid that have too much money! they buy stars and win trophies. in the other hand; many clubs do not have money and win no trophies.
but you see a skillful manager with a team that has no famous player like Leicester City in England, defeats all rich clubs and gets champion.
I think it's better whole match be in 2d with better simulation so a poor team can set a tactic to win rich teams!