First, they drop our team’s value 20% when you move up. Second, when you have a striker who is 195% playing against defenders at 80% average, this means by their reasoning my striker is 4 leagues better or 4 above them, However, he scored 1 goal against them. The overall team is 4 times better so the striker is not held back by a lack of surrounding talent. I have watched 40 plus seasons of this kind of stuff. The 20% drop will keep you from beating the better teams but the scores will not reflect the disparity that should be seen on the pitch. For example, my striker is 20 years old, that means the defenders at 80 are more like 16. I just can’t imagine Messi for example mot having his way on the pitch.