I like the morale system as it is. In your original post you said that the game outcome should be determined by builds and gameplans. Well, I think that most of us are pretty aware that players with higher confidence are less affected by morale hits like a dropped pass, fumble, missed block, etc. So here is something to take into consideration. If you are building a player and are afraid he is going to take morale hits then build up his confidence instead of leaving it at 50, take it to 60 or higher. This is an easy fix, "Build your players differently."