This is not my solution; I am posting it here for visibility and not having to click away from TA if you don't wish to do so. All credit goes to 'Chlorhydric' and the original solution/thread can be found here: https://forum.psnprofiles.com/topic/133536-easy-method-for-d...
First of all, you need to create a player by going in the settings of the game, not by starting a career mode with a created player. Here's the player you need to create:
A young goalkeeper from a country that doesn't have his national team in the game. 99 stats everywhere, not just the goalkeeper stats. Playing in an Australian team, I chose Melbourne City.
Now before going into career mode, you can transfer some good players in the Melbourne squad, but no goalkeepers. For example, I transferred the 10 starters from PSG to Melbourne team. (Not essential but it can help to get some extra personality points from the store).
Now you can go to career mode, select an existing player and take your freshly created Goalkeeper.
Here's the thing with the goalkeeper: he can get 160 purple personality points by training sessions because he can have 4 minigames, 2 what grant you 45 points and 2 what grant you 35 points.
Now as soon as you start your career, do the 4 minigames with A grade, save them for the next seasons by pressing Options, and start simulating them every week. Australian league is good because there are not a lot of matches, I think it's like ~30 if you add Asian cup matches to the total.
Don't ever play a game. I read everything and its opposite about points earned after games, for me it just never gave me any points, I tried with Mbappe, Haaland, nothing. Quick simulate absolutely every match from start to finish.
Now the maths: By doing this, you'll get 160x52 points for all the training sessions = 8320 + something like 1000 points from the purple activities in the store wich means ~9300 points per season.
A season should take you 30 to 35 minutes to entirely do. For reference, I got my trophy during my eighth season.
So, eight seasons should take you ~4 hours, but with the setup etc you should be good in 5 hours.
Last thing: I had no issues with the 90000 points glitch, even by saving and quitting the game. I only saved and quit the game at the start of a new season, maybe doing this prevent the glitch to occur.
There are maybe better methods but this one worked for me without giving me troubles (like these f*cking points not appearing after matches)
I followed this guide and ran into no issues.
When creating your player, choose Eswatini as his nation and any date in 2005 for his DoB.
Make sure you simulate a week at a time through the Calendar, as opposed to just advancing and simulating the matches when they cropped up (I did that for a season until I realised how much longer it was taking!) I found a good rhythm when I was skipping to the next Sunday, simulating training and checking if there were any activities available.
At the start I completed everything that offered points but then after that I didn’t buy anything that didn’t include Virtuoso personality points. You can complete/buy these to speed up the process slightly (you do need a total 75,000 personality points, after all) but I wanted to play it safe.
I noted down the amount of Virtuoso personality points I had at the end of each season for reference:
End of S1 - 9705
End of S2 - 19490
End of S3 - 29000
End of S4 - 38500
End of S5 - 47630
End of S6 - 57520
End of S7 - 66540
14/04/2030 - 73960
It's a tedious one - good luck!
Now to do it all over again on the other version…