I wonder where this idea that being above 90 made you Hall of Fame caliber. In the first place, the ratings fluctuate in the game as the season goes along according to recent performances. That indicates (to me at least) that the ratings are representative of perceived skill and ability of players for that season. Not to mention it's also subjective, since I didn't see many people squabbling about Joe Flacco somehow being rated 82 OVR despite
evidence to the contrary. I'm sure there will be people who say he had a fine year and quote his great playoff record, but then you can find writers and analysts who see a mediocre QB with bad mechanics, feet, and pocket awareness who has gotten by with a great defense. If the Ravens make the AFC Championship despite these issues in his game not disappearing, there will be complaints about Joe Flacco not being in the 80s range even in reality his play does not deserve it.
Related to this issue is what you do with QBs like
Teddy Bridgewater who have played very well and have the traits of an anticipatory, accurate QB but is gimped by an ill-fitting scheme and demolished offensive line? This year, he got an 84 OVR, lower than Matthew Stafford's 86 OVR despite Matthew Stafford playing atrocious and being kept afloat by two very good receivers and an offensive scheme that made him throw short, easy passes that inflated his completion percentage.
Marcus Mariota is an ugly 78 OVR and is always missing passes, despite actually playing very well despite his mediocre supporting cast.
Philip Rivers is rated lower than Andy Dalton and Matt Ryan even though the former had the best supporting cast in the NFL and the latter was busy crapping the bed with inexplicable interceptions, all because most of his offensive cast was decimated by injuries.
My point in linking these film room articles and players is that even if you spread these ratings out, it is so difficult to parse out is good and who is benefiting from their supporting cast. If you think Philip Rivers should be in the 80s because his team didn't play well this past season, then it would be a mistake in the ratings system that goes beyond spreading the ratings out. This is essentially a core issue that cannot be resolved without both transparency in how ratings are decided and the understanding that just because you *think* these handful of players are "elite" and thus pass this somewhat arbitrary 90 range doesn't mean you are right. There are very few players who are obviously special players, and there are players who are Top 5 or Top 10 in their position based on the scheme they work within and how their play complements the players on their team. Jason Babin played 30 snaps all last season, 22 of them in one game for the Ravens and 1 for the Cardinals in the Packers playoff game.
Markus Golden played nearly 600 snaps for the Cardinals and it was noted often in coverage on the Cardinals how Golden was an up and coming piece to that defense. He is 70 OVR, below 76 OVR for Jason Babin and situational pass rusher 81 OVR Dwight Freeney. Ratings in Madden will never be as good as NBA2K's or FIFA's because the way in which the game is played is so much more dependent on the teammates of each player. Unlike baseball and basketball who have loads of really good statistics to use, total yards gained and allowed is still how Madden picks the best offenses and defenses. This isn't as much an indictment on Madden as it is on the state of football with regards to how it regards statistics and looking beyond clutch and wanting it more and just being a winner.
TL;DR spreading ratings out is a somewhat fool's errand in trying to more accurately represent players and teams in the NFL until the developers can figure out a an effective way to integrate scheme into how players and teams play/are rated (perhaps even beyond Franchise mode, even) and arrive on a transparently described method of analyzing players and teams with statistics and film work to make these ratings. Or they could use people like Pro Football Focus and Football Outsiders to help them in this endeavor.