You don't understand what i'm saying. Go back and read through my proposal again.
On second thoughts, I'll highlight some key points for you:
5. The teams involved in the loan must agree terms under which the loaned player plays, ie. minutes per week, positions played, skills trained.
So you, the owner, get to decide what sort of thing happens to your player. Nobody is going to train a centre without outside skills as a guard when training them as a centre will earn them $250,000. So if you have a spare centre from the draft, you can get him trained in inside skills. But there's a catch, for both teams. And as for not knowing in advance what you'll be training from week to week....sheesh. Proper planning and preparation prevent poor performance. Good luck with your unplanned system!
6. The team making the loan pays a fee, eg. $250,000, to the team receiving the player in return for services rendered. This fee is held in trust for the duration of the loan and is payable when the loaned player returns to his original club if the playing terms have been met.
So let's say that your loaned centre doesn't get any playing time, or enough time, after you and the receiving team agreed that he would get at least48 minutes per week in a training position. He has not improved at all. Therefore, the agreed playing conditions have been breached and your money, held in trust, is returned to you.
If he does get trained, then you get a player who is improved at a set of skills decided in advance by you and the receiving team for a knockdown price of $250,000. I estimate that under a well-thought out regime, you could turn a centre with average IS, ID and RB into a centre with strong in those three skills. Bargain!
Ah, you say, what if the player is injured? Then the amount of money to be paid is reduced by the percentage of the season he has missed.
Now it seems your main concern for having a loan system is
That player might be the difference in them getting promoted or not.
It is for lower teams to get better players and help them with out paying their whole salary and you get your 18 year ols 2nd round pick aa chance to play and prove his worth to you before you decide to sell him
The system I proposed allows for this. Let's say that you don't want the player to be trained and don't want to pay the loan fee: the solution is simple: set the playing conditions to be something that cannot be fulfilled eg. a guard to be played as a centre. Your generous sense of philanthropy is fulfilled! You might have helped a poor little Div IV team to promote! And you lost no money! Awwww! Except here's the problem: this is where the system is ripe for abuse. Bummer.
To DemonHoosier: point taken. ksach's point is that teams receiving a loan player can't afford trainees. Hence the need, he believes, for a loan system.