I'm trying to tell myself it's the fact I'm using a cobbled together 81 rated team, but I fear the real reason is because I suck at Fifa 20 even more than I did Fifa 19.
I worry about WL, especially now Silver 1 doesn't get you enough points to enter the next WL.
I have a team at the same level and I'm low div 5, but the games are getting really really tough now, almost every team I come up against is a paid for team. I think I'll struggle without some major grinding, which I don't have time to do. I haven't spent a penny on packs this year though, and it's staying that way.
Just keep playing, I see it as a few coins when I lose. I have zero anxiety about playing online this year after not spending anything on packs.