Yes, you 'right , and the problem isn't the top rated list.
The main issue is, that you (me-anyone ) cannot count on the rates/statistics of a player he wants to buy from the TM if he doesn't have the whole picture, meaning info of the team that sells this player.
It's so unrealistic to real football
like an agent goes to a team manager, show him a tape with a player he wants to sell, but doesn't tell him from which club is the player