It's fully understandable, but there are two possible ways how to decrease the salary and increase efficiency:
1) It is possible to use 2 SFs (One more for OD, one more orintated for ID) - it will help to spot nearly every team, but have to manage the GS well
2) Decrease the requirements of defensive skills - for example, my SF (With OD 11 and ID 9 but multiskilled in the start of season gets less than 9k) - I'm planning to train him up to OD 13 and ID 10 level - so it will not be big boost in salary, but anyhow he is not able to stop a PF, playing on this position with Inside orientated atack of the oponent) - it's desision of team maneger