Just to chime in, if WiS did what you wanted, you would then further eliminate new users who wouldn't understand the mechanics (or ways to 'game' the system) to their best advantage. It's hard enough to fill worlds and now you would give the people who play or have played and know the better combinations of ratings to play with 40 guys against a new user who barely knows how to use 25. Thats better?
For what its worth, since there is a very limited player AI regarding motivation, the penalties are there to simulate (remember its not real life) the effects on players, guys with low temper, high patience and high makeup don't suffer as much because they 'get it' when sent down or delayed in a promotion. Guys with ratings on the other side represent your typical 'me first' guys. They get ******, etc.
This game is very much a checks and balances game with all the negatives that that comes with. Yes it sucks but if you hate it that much don't play. Becuase it certainly won't be changing for a very long time. You know that the game isn't developed that fast.