Billions in the bank and injury tokens

What is the point ???
Money in the bank is useless without tokens and for a so called free game the cost of these tokens is ridiculous and winning or be rewarded with any sensible amount is nigh on impossible.
Injury tokens are about as useless as an injured player. All you do is sub them out for the rest of the match- if the match engine lets you and don't get me started on that- then once the game is finished use you tokens to bring them back to full health.
Pointless trying to develop a strong squad as your starting eleven is always fully fit and the strongest lineup give or take the occasional suspension