1) Formation/counter-formation - they played 3W-4-1-2, you should have countered with 4-1-2-1-2 Narrow Diamond and hit them through the middle.
2) Condition - if that was the condition after the match then they must have been tired before the match.
3) Just because you spend money doesn't mean you win every match. If you haven't spent money then you made a good team from nothing - I can't see anything in the fragment of the opposition team that indicated that they're a big money-spender.
Presumably the expletives in the heading and your overall attitude means you're quitting - goodbye...