Yeah, this is the difference between good and bad GKs. Good ones will makes saves when required and will make the difference in tight situations while the bad ones will be mostly loose, conceeding easy goals or even passing the ball back to the opponent, except when the game is trolling the opponent where even ****ty GKs will appear unbeatable. But, finding one is hard. I bought a 21 y.o yesterday as I was not satisfied with other 2 GK my team and I was willing to try something different. The new GK got 1 MoM from 2 matches played where in both matches he saved all the shots on target (2 and 2). So, I can say that he is better than the other two.
But still, things are not sure because I feel that the game engine is full of tricks, and also I feel that certain things are broken as they do not seem to function properly or as expected.