i suggested this but their may be an issue with legal reasons, same with tapping up players or clubs match fixing, but a way round this would be having the option of these personal life crisis or tapping on players but every player at the start having it done as False so that only regens can be tapped up or have like gambling problems and ****Back stories.
Say for example Luka Modric's wife (no idea if he's actually married) was playing away from home. He's going to be devastated.. Misplacing simple 5 yard passes. Corners won't be clearing the first man. His head won't be in the game. How you and the club approach things will have an impact on how he recovers.
Obviously, that's an example, but something similar maybe. Obviously SI would need to keep it clean though.