Keeper breaks his arm in stoppage time as your team is 1-0 up in a big game and what happens? Bad luck because some teams waste time with a sub in injury time you have to play the remaining 4 mins a man down and with an outfield player in goals.
What needs to happen is they need to increase the time added on for a sub from 30 seconds to 45 seconds or even a minute, especially in stoppage time. AND the refs needs to actually add on that time instead of blowing the whistle when the originally allocated time has expired.