When i started in S19 i had a bad team in a full D IV league that was not at all competitive but it did have one big advantage:
My weekly income was higher than that of the top teams in my league (due to them having to spend much to be competitive)
Now the situation changed somewhat. I guess if you start in German D III now (which is comparable to D IV then due to user shrinkage) you might end up in a league full of managers that are better than you AND earn more due to fully build arenas and because the average team salary droppt so much in all leagues.
So if better teams earn more than you do and players cost a much higher multiple of your weekly income than in S 19 the time you need to catch up is much longer, probaly longer than most new users will have the stamina to go.