You ever thought the losses might actually have nothing to do with complacency?
Team talks are not black and white, but entirely in the context of your team, the state of the current match, the opposition, the build up before the game, the results before the match, the personality of your squad, your relationship with the squad, your reputation, your approach in your press conferences. they are virtually never stand alone. A happy, green delighted, is not always a good thing, a red angry reaction is not always a bad thing.. There should be a consistent and coherent logic to your team talks in the same way you should have one with your squad building, tactical approach and how you buy players.
Overload merely exploited a flaw in FM12 because of no collision detection, which mean they could swarm forwards and literally run through a player. Now they actually have to jostle. more importantly you actually have to put some thought into getting numbers forward. Contain means they will be extremely risk adverse in what they do, at no point does it mean they will not score.
Overload and Contain are not features, but parts of the TC.
Your thinking is far too reductive towards FM, I wonder what is your overall strategy interms of tactics, man management, squad bulding and transfers?