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He had a whole lot more money before prison, and was treated even better....
What would happen if you gave every ex convict the job they had when convicted, but with more pressure and half as much money? It would probably look like the system we have in place.
A receiver's foot is an inch too far forward, out of bounds, no points. A receiver's head is an inch too low, helmet to helmet contact, concussion, out for game.
Why do you think it's fair for the fantasy manager to get insurance against one but no the other?
So your system would remove the risk of playing these fragile players? If they stay healthy, you get their points, but if they get injured, you get slightly less points from a more reliable back up?
Think about it - the logistics would never work. When would you be allowed to sub a player in? Only if the player has no chance whatsoever of coming back in? Who's call would that be? What happens if you sub for a player and then they come back in? If a player is not playing well would you be able to sub them out?
A substitute system would completely devalue the skill of picking your lineup. The whole point of fantasy games is to predict how players you have no control over will behave. You may think it asinine, but injuries are one of the inherent difference between fantasy and real football. If you believe that a fantasy manager should have the same power that a real manager has, do you think fantasy managers should get to control the distributions of touches too?
Injuries are part of the game.
I would pick up a defense with good matchups for playoffs. Starting only 2RB/WR, you are not going to start any of those guys over what you currently have on your roster. Look at the matchups and carry an additional D/ST into the playoffs.