also if you feel like just doing the relegation match is much better than the 5th place finish its fine if you want to play a risky approach to your team.
the big problem is, that in the most cases the relegation matches aren't even risky. And i am not meaning that you could count on a pretty sure win, which is often the case i mean in germany there a 42 relegation matchups, where the looser demotes, but around 100(at least till IV.50 the leagues are pretty full but even in the ones behind there are a lot of humans) where even the looser just get his reward.
Through the league structure of BB i am pretty sure, that this is the case in nearly every country.
and lastly from my standpoint if you feel playing relegating matches is better than 5th place due to money, your making a big mistake because aside from your actually losing more than what you gain, i think something is wrong with your planning and development of your team.
i tried to loose it sometimes in the last games, because i like money instead of loosing money with a calculated risk those extra million seems worth it.