That poster mentioned 'Offline CFM,' and as we know, offline franchise (e.g., not cloud franchise) does not get the same patches that online CFM does.
I personally don't really know why you wouldn't play online CFM (unless it's a team control thing which it might be), but in any event, shipping a mode in a game that breaks down like this after 3 seasons, where NFL teams do not have quarterbacks on them, is a pretty major problem.
Though, cynically, the sim engine is so bad that those teams without QBs still probably go 7-9.