I disagree that "most" of the problems are on the users.
There's enough wrong with the defensive "intelligence" in this game that I believe it's the problem at least half as much as people who think 38 MCV should cover well (really? people think that?)
I totally hate how defense is played in Madden. Every year, I feel like I have to "beat some defense into the game". Even when a defense plays well (yeah, yeah, I'm offline, I know that renders me irrelevant, but I'm going to keep talking anyway :P) it's not always because they played the way a good defender should play, it's because they overcome enough of the "Maddenisms" to still play decent something kinda-like football. For example, the HB might push the first 90 TAK LB away, and then the 80 TAK LB, only to get tackled for 3 yards by the other 90 TAK LB.
LBs that good do not miss tackles very often in the NFL. The worst rate is about 15%. WORST. 80 is about average on the ratings scale. 90+ should be nearing the literal 98% success Willis had in 2011.
That's just the start - the football intelligence of the LBs is off. No awareness of gaps by design. No understanding of staying home. No understanding of trying to string out plays, where the contain and force is, how to manage their zones (let alone what passes for "zone coverage" in this game is "man to man for only a little while" instead of actually working a zone). No on the fly adjustments of players as the play is happening (true play recognition, not just the stat making the player "more psychic"), reading keys, etc.
So there's a lot to go on to where the game needs improving defensively, and that's just one position group. The problems in the whole front seven might take a book to write. Let alone the DBs and how they don't "read" routes or any simulated anticipation, but just get to run them ahead of the receiver and react as soon as the QB moves his arm to throw (i.e. as you as you hit the button - input reading instead of reading the field).
If there's people that think trash ratings should still do well, yes, that's illogical. In fact, they'd likely get exploited even more if the game played more realistically, but I don't want the game to be concerned with those players. It's the ones that know what they are doing - they shouldn't have to spend as much time "getting around the game" as they do devising ways to crush the offense.