Imagine having this feature for online leagues. It will do wonders and at the same time cut commissioners for online leagues a little break.
For example commissioners for online leagues can customize these options:
+No going for 4th downs until the 2nd half (When turned on, your play selection screen will show punt until the 2nd half)
+No going for 4th downs unless you're inside your opponent 40, 35, 30, ect (whichever you set it to)
+Onside kicks are limited (Be creative with this customization)
(These are just a few examples I am sure the developers can come with some more creative ideas to make it realistic and fair.)
The reason why I brought this up is because I feel the state we are in with recent Madden games is that it's more catered to the offense side of the ball especially in user vs. user games. The last madden where it actually felt good to play defense in my opinion was Madden 05 besides the super LBs which plagued older Madden games it actually felt good to play defense that year. I feel strongly and I'm sure many will agree with the option to have fair play, when playing defense against another human opponent it would actually mean something and also rewarding at the same time when making stop on 3rd downs. I don't see how this would be a tough task to do.

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