I really like playing FIFA 21 specially the Ultimate Team mechanic, but when it comes to play online with people I always have trouble.
Have you tried Career Mode in FIFA 21? It may work better for you playing online. 
Yeah, I love it. I always play the DT route and buy the best players in the world. 
Do you mean to tell me that you buy Ronaldo, Neymar, and Messi too?
Yes, and Hazard, Ter Stegen, Kante and Mbappe. I always find new ways to make them all play in the same team.
With all those amazing people on your team, how do you have trouble playing FIFA 21 online?
Because people have better stats than me, they have the special edition card like the TOTY and the TOTS.
Too bad there’s not a way for you to cheat and get the TOTY card for yourself. 
Yeah, the probability of that cards to appear when you open a package is of the 0.01%.
That is tough odds. I suggest trying Madden for a change of pace.