Both games have done a poor job of handling morale. One of the larger downsides to horde units in both games is supposed to be morale but there are far too many abilities that mitigate/ignore it. Most egregiously a core ability available to all factions.
What really makes it a design flaw is that in both games the most horde based factions have more access to these abilities than the more elite armies.
This has inversed the intended function and made morale more devastating to elite factions pushing those armies to an MSU playstyle further weakening them by the loss of economies of scale benefits (spells, Warlord Traits, Command Traits) that buff one target getting far more value out of the larger safer investment.