only making the "divine trick" a bit more expensive
If You buy fantastic multiskill with huge price and reasonable salary it's more expensive too... So I don't see difference. Why one method is good and other is bad?
In both ways You must "break the piggy bank".
I repeat, in this game must be "soft border" and mutants are the best to do it.
If You have "normal" club You should have more cash so You have many methods to win with mutated club.