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You can start on 'Fan' level the first time you play. When that gets too easy, you can change the difficulty level in the Options Dialog, or you can start a new game on a higher difficulty level.

There are lots of ways to may the game more difficult. The best option would be to create computer opponents that are smarter than you, but that's not an easy task. So I implemented these difficulty levels by adjusting multiple aspects of the game:

Simulation
Higher difficulty levels reduce the performance of your players and increase the performance of your opponents. The adjustment is only about 3%, but it's enough to make it harder to build a championship team.

Finances
Higher difficulty levels decrease your team's revenue. This doesn't matter much in General Manager Mode, but it is one way that the difficulty level affects the game.

Trades
Computer GMs demand lopsided trades, sometimes to the point of absurdity. For example you might put a #1 draft pick on the Trading Block and the best offer you get in return is a 2nd round pick in next year's draft.

Contracts
Players demand a higher salary from your team than from other teams. This includes both free agents and players seeking contract extensions.

The problem with this system is that you, the game player, might not enjoy the different ways the difficulty level is implemented. Maybe you don't mind overly greedy players, but you don't want the computer to actually cheat during game play. Or you hate that the computer teams insult you when you offer perfectly reasonable trades.

I'm currently working on adding blocked field goals to Football Mogul, so I'm calculating the rate at which they should occur. From watching football, it seems that longer field goal attempts are blocked at a higher rate than shorter field goals. This makes logical sense, with longer field goals requiring a flatter trajectory than "chip shots" and extra points. So, I used Stathead's Field Goal Finder​ to look at all attempts over a 10-year span (2010-2019).

I get three kinds of emails about injuries in Baseball Mogul:

1) "Baseball Mogul has too many injuries. My entire pitching staff is decimated!"
2) "There aren't enough injuries. I got to the playoffs with none of my starters on the DL."
3) "Please make it possible for players to get injured in the middle of a game."

I'm working on #3 for Baseball Mogul 2025. As for the first two, I get more complaints about there being too many injuries than about there being too few. This is true despite the fact that the rate and severity of injuries in Baseball Mogul is somewhat lower than in real life.

The good news is that you can tweak injury rates yourself:

To adjust the rate and severity of injuries that occur during the simulation, go to the League Menu and choose League Settings. The lower left section of this screen lets you increase or decrease 'Injury Frequency' and 'Injury Severity':

"Injury Frequency" refers to the number of injuries that occur per season.
"Injury Severity" adjusts the average length (in days) of each injury.

The percentages shown are relative to the default setting. If the simulation is generating 500 injuries in a season, then changing "Injury Frequency" to "+20%" will increase the number of injuries to about 600 per season.