I think the difference is this issue is really only possible in extremely high cap leagues. Anything with a cap under $140-160 and this likely can’t be used to benefit the owner.
It seems to be more of a “this can’t happen in real life so it shouldn’t happen here”, but I think everyone plays this game for different reasons. Mitch Trubisky is never gonna put up a 8TD, 500yd game, but my Madden 20 Mitch did and I’m perfectly fine with it.