(1) If they want to encourage to train players with money, they should call it like it is. They can create a "training grant" or whatever. But definitely, this has nothing to do with overextending or not overextending. Rather the opposite, it is training that allows overextending.
(2) It makes no sense to promote training when most managers enjoy training a lot. In any case they should promote competing. This would be what this game needs. More competing, less tanking.
(3) They are not encouraging training "specially in top divisions". They are encouraging managers to tank for several seasons in lower divisions, which completely kills the game. Because you can't plan for you own team when the promotion always depends on when tanks decide stop tanking and use they inflated players.