Nick, I'm not EA PR or I wouldn't have agreed with some of your points there (and admitted that there's no excuse for the scouting/loan systems staying the way they are).
Don't get me wrong I see what you're saying and that's how you want MM to be, but as far as I'm concerned they can't add those things into the engine the way it is now or after a few games you'd stop playing it complaining about the stupid financial system ruining the game, the players always playing the same way with no form taken into account etc. (and so much work goes into those things that you won't find time for much else, you wouldn't believe how much work it takes followed by testing, followed by tweaking, followed by more testing because those tweaks broke something, trying to fix what needs fixing without breaking anything else, followed by more testing etc...). If they were all just fixes, e.g. you got a bit less money now and player form was random, then I'd be annoyed. But the financial system is totally reworked and the player form system is something new, which will have taken a lot of time to implement properly. Having less money and a wage budget to adhere to, along with players who are up and down in form, totally changes the game.
Again, don't get me wrong, I agree that things like picking your own friendlies should be there (especially considering that it seems a relatively simple thing to put in, combined with the fact that you can already do that in the current-gen game). And the scouting/loan systems need a revamp, I was disappointed about that. But with regards to player interaction etc., I'd want the game to get the basics right before they delved into that.