Well as you know, this happens in real life too (the team bankrupts or cannot pay his players) and players go to another team. Why should it be different here? I know you want to prevent illegal farms who go bot and then the manager who cheated can buy that player from FA, avoiding direct transfer of money to the farm. But you punish "normal" teams with that also...I think 2 seasons of NT hiatus in case the player hits FA should be enough, don't you think?