MUT isn't built for casual play. I have not put in money and have a top tier team, this past year, but I have put Madden 23 coins  in a couple hundred, or even thousand, of hours. Yeah I haven't played with Mut 20 but I remember in mut's I didn't pay any money but might spend hours and hours sniping. Gets kinda boring but makes it fun after you start getting a team to play with. I began playing salary cap and if there's some interesting teams blended in, I have encounter 3 this morning with 70s everywhere but on the OL and RB using 99 safeties all around the defense.

You can take action. In a couple of months I have made a 98 team. Have not spent anything, only been a project in lockdown. The reduction in cost of Legends packs actually helped (as did the fan appreciation packs which I do not think can be found any longer regrettably ). Though I've never played with a game online against anybody - only played because I'm turd. I promise I'm not trying to trash talk but it's so simple to have coins from wl and that I think all gamers are inexpensive asf rn so as long as you're able to find a decent number of wins it should be easy.

I won't say you have to grind to get a top-team, but you have to put money or time in. That being said, the game is really the best time to set yourself up for success over the season IF you capitalize on coin-making approaches and your high-tier pulls. For example, I was able to generate a good amount of coins during the EA Access interval by selling my top pulls and turning hyped elites after the Madden NFL 23 game drops (Bobby Wagner and Jamal Adams, assuming they are rated appropriately, are gont maintain high demand  buy madden nfl 23 coins  vearly, especially if Avalanche ends up as OP as people expect). Should you strike when the iron is hot, in regard to promos, methods, possibly Solo Battles, you honestly shouldn't need to grind the Madden NFL 23 match in any way.