There are 2 nightmare situations for any team. Becoming broke financially and losing pivotal stars. The blackle Tomb Guardian, the +AG Skink and the + ST Gutter Runner all come to mind.
But for some teams being broke scarcely matters. Norse block makes their principle function unaffected, zombies/skell still mark like kings, DElf and Helf linemen are still mobile and capable with the ball, Goblins and Halflings are disposable fodder.
Yes loner can be annoying, but the biggest issue is bench depth. Fouls, KO's and casualties can all spell out a ball rolling where you end up with 3 players on the, pitch and 10 opponents.