Yesterday we played the association final against a strong but pretty much balanced opponent. I got the strongest one who was a step higher than me. I asked for a DMC and our captain loaned me a good one.
He was 7* and it ended up being useless because of this

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I would accept it since it can happen in football, but it happens often. Either it must be tweaked or even "legalized". Why not adding a "temperament" stat which is random at start when each player is generated and that changes depending on the ongoing result of the match? At least you know the risks of him being booked or sent off and you can manage it.