Football online is a shitty experience 99% of the time. People just want to win and they get very toxic when they don't.
Imo there is a big difference between MyClub and Online Divisions (manual settings). Although I haven't played the former that much I agree that it is a complete mess that brings out the worst in people. Divisions though can be really good with like minded people, and still you have that competitive element because you get points etc when you win. But I suspect Online Divisions with PA1 and above is more like MyClub.