This is madness.
Currently, at least in my case (II division in Italy), this is the situation:
- if you finish first in your conference and win the first playoff game, it's better than finishing fifth
- if you finish second, third, or fourth, and manage to qualify for the finals, it's better than finishing fifth
- in every other case, it's better to finish fifth
As a matter of fact, if you end up third or fourth and are able to reach the final, but lose 2-0, it still isn't economocally worth it if you played the first two rounds away from home. However, the chance to play in the final would probably outweigh the economic loss.
Still, having a system in which it's economically preferable to finish fifth rather than second in most cases doesn't seem all that great.