I remember back in fifa14, when I played my bronze teams in div2 and div3 and lost a couple that i had difficulty turning it around, a trip to bronze cup always helped getting back in form in divisions, it could have still always be me being relaxed winning a cup and not overplay in divisions.
Scanned quickly thru the data and found a player I bought and played games with, morale hadn't changed, so don't think they use it. still every player has a formation and morale why keep it in if you don't use it.