Exactly my point MikeT23. I agree with the refund aspect you brought up. I played a few seasons on Hardball Dynasty & saw absentee coaches get replaced by a sim. I also wonder how prevalent this is in throughout all of the worlds in HD. I bet not nearly as high as HBD. Furthermore, a season of HBD must have all teams fill up in a given world & also costs more $ to play per season than HD, giving priority to the needs of the human HBD coaches.