I kinda feel what you saying, but your last statement killed it...the normal 5 on 5 online pisses you off so you play my player instead? The way they set that shyt up is horrible. I drop damn near a whole teammate grade for what the game thinks is a bad call for a pass!?

Every shot the cpu takes, even with a man in their face, goes in!?

40 pts, 9 assists, 9 rebounds but only 240 VC!?
the reason you get a bad grade for calling for the ball. because you are so used to having your way and just spamming the pass button so they can give it to you. you dont think about the context of whats going on. you get a neg grade when a defender is between you and the ball guarding you or the passer. you get a neg grade on passing when your teammate is in scoring position or literally in motion to pass it to another teammate in scoring position. its like you're saying HEY pass it to me even though you're not open for a better shot then your teammate which is about to receive the pass or your teammate that has the ball and is about to shoot it who is wide open from outside(is a perimeter player that can shoot) or is a player in the paint with little to no defense on him.
you have to play BASKETBALL in order to not get that neg.
every shot the cpu takes does not go in. certain guys are lights out, some guys are money if you leave them wide open. some guys like say steph curry types are money when you are around then. But i ask do you have "Lockdown defender" as one of your sig skills? if not. you need to use it. that nullifies a guy like steph curry's ability to be money even when the defense is there and jumping to block it.
another 2 skills i let you in on. the other things what do they call them? the new sig skills(they are called something else). where it changes your hot and cold streaks(rhythms) as far as everything(accurate playmaking, scoring, defense). I turn on Mind games and sometimes the one that make you a bruiser. you know why? between lock down defender which will make superstars mortals again when i'm defending them closely. then i put the mind games on them to keep them out of rhythm, or the bruiser one to play them rough and knock them off of a rhythm. it works like real life.
but you have to be all up on the guy for it to work properly. you also need to score on the guy. this also bothers his rhythm. you keep making him turn the ball over(steals or just get him to throw it away, go backcourt/step out of bounds/shot clock violations) you keep making him pick the ball up with solid on ball defense. the guy will get frustrated like real life. it will start to effect his game in a negative way. he will then start bricking wide open shots where you cant get out there in time cause you had to double in the post. My player is the most realistic mode on this game by far.
now about that VC. we all know 2k is trying to make a buck. so that has nothing to do with realism. they are making it hard for you to boost your guy up so you will get sick of waiting and pay for it yourself out of your own pocket.