see now I understand. There are two penalties - a team and individual. They offset each other. You can get around the team possession penalty by having a prime Malone, Jordan, Wilt, Kobe (etc), but if the supporting cast isn't good enough, somebody is going to be taking too many shots according to what they did IRL, and they will then suffer an individual penalty.
That actually makes a lot of sense to me.
Thank you for answering our questions.