APF2K8 was that game just without the NFL license or a franchise.
All things need competition or they will die. Now Madden is being compared with a basketball, baseball, and FPS. In reality Madden was never in a close market but a dynamic open market. Instead of having nagging little brother making football games (Visual Concepts) now their competition is with any firm making games in their demographics.
NFL2k5 was a next gen game in last gen clothes. If Visual Concepts made football games for the last 6 years where would the genre be today. My guess would be on the same level of NBA2k 11 or better.
Again I blame this on the short sightedness of the NFL. The NBA decided to go a different route and it worked for the NBA, developers, and consumers.