I think you are not aware of the situation in the higher leagues. Very often a team tanks for a few seasons and builds up a big roster which allows them to coast for several seasons, helped by getting more money every season from a variety of sources including Cup, B3, and tournament games. Now, the differential in money from the league has been evened up.
The structure of any game should be that the winners are penalized for the next season. In the NBA, this occurs through the draft and through increasing salaries. Here, even if you are lucky enough to get a good rookie, he can have no impact on your team. You buy a great guy off the market for $3mil, his salary, if anything, will go down.
Unless you can maintain a churn in the leaders, everyone gets bored after a few seasons, including the first place teams. The real reward should be in winning, not in trying to maximize your bank balance.