It might just be me and I'm not going to make this a "fanboy" post before anyone says that

I'm also not going to say that you are "tactically inept" as without a doubt, FM2008 has continued to develop the tactical aspects of the game and has become more difficult for many players.
There are a number of significant issues with the game that are widely documented on the forums here. I'm sure we've all made enough posts to highlight them and have a bit of a whine. Hopefully, they will all have been acknowledged and rectified by the time the 8.0.2 patch is available, sometime around February, after the transfer window closes. (Although I personally would prefer SI to release a "game issues fixed" patch and the inevitable "data updates" patch seperately, rather than bundled together as is normally the case :thup: )
For my own part, at the moment, I'm playing as Hyde United in the Blue Square North. I am using the
Fiora2 tactic. Follow the link to this thread about the tactic and where you can download it.
Fiora2 Tactic Thread
I am currently enjoying a superb save where I have managed to get Manchester United as a parent club, loaning several players to "boost" my club significantly. The lowest win in my opening 5 games was 3-1.
Obviously I have players on loan who are far superior to the standard of the Blue Square North, as my results clearly demonstrate. But the Fiora2 tactic works superbly for me and is well worth a try. when looking through the thread, I believe that it was originally designed for the 8.0.0 release and has been tweeked a little for 8.0.1 as some had noticed a few changes.
For my own part, I've yet to notice any problems with the shots to goals ratio, or the one-on-one problem, using this tactic. When I watch the games, the type of goals scored is quite wide and varied, which suggest that you can work around the "bugs".
I believe the author of this tactic used it with Liverpool, so may be worth you looking at if this is the team you play with.
This really is a good game at heart, but does require alot of patience and I can only say keep at it.