it wouldn't work, you couldn't compete against rich players, because they would simply buy the best cards in the game and trash competition, game would be dead in a month
Frostbite engine killed the franchise, it won't get any better until they replaced it. It's not the first victim of EA forcing this engine on developers, Mass Effect Andromeda and Anthem were god awful.
it's measured to the server, but it's meaningless if your opponent has bad connection and you'll get lag compensation you'll get less lag if you play on 4G because it isn't compensated (your opponent on fibre/dsl/cable has it)
Maybe there is a hope for next fifa version https://arstechnica.com/gaming/2020/05/doom-eternal-anti-cheat-kernel-driver-is-safer-than-others-denuvo-says/ FIFA is using Denuvo piracy protection.