Make penalties 100% player tactic based, then add them all.
Competitiveness Tactic
Low end halves effect morale effect of negative morale events and the chance of being called for a penalty
High end doubles the effect of positive morale events and increases by 50% the chance of being called for a penalty
The Penalties that are effected are - False Start and Encroachment
At high end positive settings there is also a potential of being called for a Personal Foul
Grabbing Tactic
Low End Reduces the chance of making a tackle, holding a block, breaking a block, deflecting a pass, deflecting an interception, and the chance of being called for a penalty
High End Increases the chance of making a tackle, breaking a block, avoiding a pass deflection, deflecting a pass or interception, and the chance of being called for a penalty.
The Penalties that are effected are - Holding and Illegal Use of the Hands
At high end positive settings (increasingly high after say +50 there is also a potential of being called for Face Mask and Offensive or Defensive Pass Interference