Why not just play solo card and dice...you can change whatever rules and algorithms you want whenever you want.
I personally like the unpredictability of the game. Ryan may never have been injured in 7 years, but he (and every other player) have a potential of getting injured. I'm guessing real-life general managers express some of the same frustrations with real-life players as you are expressing.
Sucks to spend a credit on it, but these unexpected outcomes add a level of realism to the game, IMHO.
Strat on!