The appeal of a 4-2-1-3 in FC27 is simple: you want three forward options without leaving your midfield exposed every time an attack breaks down. Spending FC Coins on stronger players won't fix that spacing by itself. The useful question isn't whether this formation is overpowered, but whether you can keep its attacking connections intact without giving opponents a clear route through the middle.
What Makes the FC27 4-2-1-3 Worth Trying