It used to be a normal my player mode, then they made it Cinematic (which was at least trying something at first, but the stories were never good and you couldn't skip the cutscene stuff after the first time) and introduced a mountain of micro transactions for both cosmetics and skills. Want to have a basic shooter sleeve? Gotta spend coins. Want to upgrade your 3 point shooting above a 50? Gotta spend coins. Want to unlock the Larry Bird free throw animation, otherwise known as the only one I could remotely get the timing down for? That's right, more coins.
There's a whole host of other frustrations with it (including the "full version" being an online-only mode!), but yeah it's deeply frustrating
MyGM is pretty OK though, and so is regular franchise. The wnba version of my player is a lot better too, cuts out a lot of the BS.