The mechanics are as described. Cheesing the computer over and over until a winner is determined by who can cheese better and who has the better players on their team. If it wasn't pay- to-win people wouldn't sink 100's or 1000's of dollars into the game mode. If the ability to grind out the mode and get the best content without buying anything was reasonable for the average person people would not sink vast sums of money into the game mode. It is and always has been, since its introduction, the money maker for the EA series of sports games. In order to sustain that model, there needs to be an unreasonable way to obtain said products without paying money to attain them, and a significant difference in the value of top tier cards versus easily attainable ones. People would not spend if there was no difference, nor would they spend if you could reasonably grind for a while to acquire a team that is competitive. How much do people spend? Just last year, EA made over 1.6 Billion dollars on Ultimate Team game modes. The people that play HuT are suckers, and are also choosing to subject themselves to a vastly inferior game. So when I read a giant list of complaints, and the majority only apply to the game mode that EA prints money from, that is made to generate money, and ONLY to generate money, I think it's perfectly valid to criticize. I also don't think it's lazy at all to acknowledge that the mode in its entirety, the purpose behind it, is to be pay to win for the consumer, and it has always been that way. Regardless of the skill expression, regardless of the actual mechanics of the game mode. It is the embodiment of what is wrong with micro-transactions, gambling addiction in video games, and the pay-to-win model.
It's not lazy, it's reality