Morale dropping, what's the secret behind?

[Spyros]

Moral might go down:

If you place a player in a no standard position in formation (geting a dc to a dl position will make him drop morale)
If you lose a match(have you noticed that not everyone drops morale after a defeat???)
If you intense train him(same rule as above - not for everyone)
If you buy a depressed player (you might buy a great quality player but no matter what, he will drop morale like others underperform. Fortunately for all this doesnt occurs very often, but it still does)

If you come with some other reasons please say so!