It's kind of a catch 22...right now people complain that there isn't a realistic skill gap due to the game being based too much on how well you can "cheese" via animations,badges,etc.On the other hand you are quite likely right that many would struggle exactly as you described then would complain that the game is "too hard".
That kind of happens already...some segments of the community tend to hold an attitude of "If you can't destroy the CPU on HoF, you're bad at 2K."
Honestly, I'd rather see there not even be "difficulty levels" per say, just more like a selection of definitive skill based play styles so that EVERYONE can just tailor their experience for actual fun both online and offline instead of feeling like they have to grind in some other mode in a way they probably don't enjoy just to not be punished VC wise.
Want to only play organized team ball? Cool....put it on full sim and hit up the Pro Am online.
Want to just hit some crazy dunks,threes,etc.? Also cool, you should be able to put in on a minimal sim mode, go to the Park.Maybe 2K could implement some sort of online competitive And 1 style street ball league in addition to what they already have going for people to do their thing.
Same with PNO, people should be able to match with other players looking for the same experience they are instead of relying on luck of the draw then hoping the other guy doesn't play in some way that ends up being more annoying than fun.