You know what. I think you might be losing only because of the performances by your GK. I've experienced that and I discovered that it's a pattern. If my GK makes poor ratings like 4-5, I start to lose games vs good opponents. So, I think it's very important to have a top notch goalkeeper in this game. I' m almost sure that you lose because your GK is bad and not because you have a bad team as a whole. Check out how many saves the GK has made in the games you lost. I'm pretty sure there will be none. If the pattern persists, I suggest you buy a new goalie.