Would any 5th place teams truly prefer to risk relegation in order for an extra game's payout?
I do, this season at least, because of the big differences between conferences. Not just for the money, but also for training minutes and draft pick. In a harder conference/division I would think twice about it (but still consider it).
This is going to be addressed as part of the offseason changes. However, we really do not see it as poorly balanced; 5th place teams have no chance of being relegated. Would any 5th place teams truly prefer to risk relegation in order for an extra game's payout?
The 4th place team has a chance to win the championship.