Young high potential players who are retiring - yeah, it's a shame, but these players would go to those teams with enough money anyway, not to those teams who are complaining that they can not buy a super player for 400k (while actually that was never possible to do). So I don't think it affects lower level teams that much, just sayin'.
Based on the new free agents shown on this thread, it seems that most high skilled, high salary players don't retire, even if they are quite old so high level teams should actually be less affected by the new FA system.