That doesn't prevent a manager to spare money for some seasons and to spend all his money on one only season to win the B3, but that will be much more difficult and longer. If a manager is able to make that and has the patience for it, that's ok. But actually it's too easy for some teams, and very difficult for other ones.
why change it?
I'm not sure how are calculated the TV Contracts but they should be calculated from the average player salaries of the previous season (I don't think that works like that but it would be the best way, according me).
Don't give up though. HCA is a powerful weapon.