I've never lost due to garbage time, but due to the bench players not coming in when I wanted them to and blowing a 10 point lead, my PG got hurt on a foul with about 10 seconds left in the game. I was expecting the starters to be in the game til about 3 to go in the 4th Q or when the team got up 20+ but they came in early if memory serves me correctly. Maybe I'm forgetting that my bench just sucked, but I feel like it was still early for them to check in