Every season there are promotions and relegations, and, you know, a big part of the teams relegated from, let's say, III are the sema teams that were promoted from IV at the end of the previous season.
Guess why? Because to get promoted I have to almost drain my bank account (I'll repeat, maybe this time somebody will understand) because competition is high so you need a richer roster, and incomes are just enough to avoid bankrupcy, so next season I will not have enough money to make the changes to the roster that would permit me to avoid relegation.
By the way, I don't operate at "-(insert number here)", thanks to the "promotion bonus" also, I can operate with an income. More or less 25k per week.
Finally, about how long we looked for a SF: you know why I looked only for 2 weeks? Because after that period I realised I was not going to afford an even decent player for that role and I have decided to stop trying to get promoted (because I don't want to be relegated one season later) and find a way to survive next season without the "promotion bonus". If I'll make it, then I'll try again to get promoted. If I can't, well, I'll start play Monopoly. You know, in Monopoly you have to look only at the market, without a basketball league to distract you.