Not going to argue with you because I agree with you on one point. "because someone is higher rated doesn't mean they should beat the cb every time" this statement is very true. However, the reasonsdefenses play zone coverage coverage is due to the fact that their average cornerback are being beaten by good routes from elite WRs 60-80% of the time.
When you play this game, you see the average CB winning these one-on-one battles when running 2 man under 80% of the time. So I just cant agree that this is an actual representation of the sport or how this game should play based on ratings. Not only does this ruin the "realism" of the game but I can take teams like Wyoming and beat USC on a regular basis on heisman running 2 man under defense. Does this happen in real life...No!!!
Does Wyoming run man coverage playing against elite WRs...NO!!! They run zone to protect their Cbs and limit big plays.