Because it's totally unrealistic to have a player with 20 for every single stat.
There's little point in having a 'super' player. The game balances itself out and allows some stats to be 20 but others will be lower, otherwise it would be unrealistic.
As I forgot to mention in my reply to your other post, CA is pre-set by game. It then either goes up or down dependent on a number of factors.
And more often than not if you set a player to have CA = 200 then the game will also straighten this out and set it to around 170, in order for some improvement to still occur.
And no, as far as I know, a player won't get any better once he reaches 200 CA. But that's not to say that every player with a PA of 200 will reach that potential.
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