Seems like a flawed model.
I remember that it's meant to reduce the number of players with bad builds. I agree with Phoenix that if they aren't worth that money, they deserve to be retired in the first place.
However... I come from a micronation as well, so I understand your pain. I personally have been buying prospects at 10x their price and reselling them for 1k. Last season I even bought up a NT player for 500k and resold him for 1k. All because we need all the talent we can get.
I certainly hope that BB would at least lower the starting price for NT players.