It might not be the buy Mut 20 coins

 Because it would not be Madden 20 coins accepted, it would not be proposed. Therefor, it's right to state that this would not be accepted in real life, hence why nobody in real life could propose it. 100% fact, it's black and white. There's no opinion involved here besides my view that I think it's dumb for a few people to believe this is a problem Madden has, if it is obviously not.

No, you can't say that a NFL team would turn this transaction on the grounds of saving a few hundred million bucks down. Additionally, it is very plausible that the group in the 29 slot could say,"thanks, sucker" and leap around it. Teams cover 1 place ALL THE TIME to move up. 

The trade itself isn't that strange, it is who suggested it. The computer is thinking,"if I'm giving up my first, I need something to make that concession". It does not matter that it is a higher pick. Propose a similar transaction yourself offer the choice for the 29th. I bet that the AI takes it immediately. The purpose is, we're dealing in hypotheticals. My view is that this was a consideration when EA tweaked the trade logic and they would consider this broken.

It might not be the buy Mut 20 coins case, however it's only been the case each and every time far. So I will take my chances. You are examples of when this could be accepted are only examples of instances where additional advantage would be actually gained by the other team.