This just makes me think that there should be an entirely separate mechanic for rating and undermining morale. It may make sense for a unit to have a morale score that gets whittled down, but that score should be separate from determining the resilience of the individuals in the unit, who may well react differently when cornered as individuals and, more importantly, are recoverable after the encounter.
Something like SWSE's condition track would be a better choice for individuals. Start with Good Order as the default, allow one or two statuses above that for special bonuses, and have a few status below. Then you could attack that track with certain powers directly and not have the possibility of a horde of minions killed by an intimidate check.