How was Kinsella able to play with 4 WRs and no kicker?

Don't know ... but he doesn't even own a kicker ... how does that happen?

I've turned formations on so that it will only allow 1RB/4WR or 2RB/3WR in the future.

So it looks like you didn't allow TEs to be combined with the WRs as it's saying everyone with a TE in their lineup as an illegal formation.