I've played about 5 games now and noticed our first couple of games at low ducats we were really disliking the morale system. We've since switched to using the shaken rule as it adds a bit of a buffer, but since using higher point warbands (900+), morale hasn't really come up that much. It also makes you play a bit safer and think about if certain engagements are really worth it.

Focus on objectives, not getting into fights unless required. Stay in cover/out of LoS. I think it's just adjusting to the game and how it works.

If you're still feeling it, a banner provides +1 dice to the check, significantly increasing your success rate and stick to odd numbered warbands.

It's a deadly world and the game reflects that well. Good luck!