Its just you close a lot of doors with what you propose. Someone now would have to sell any player to make money somehow before the season, so he can have the money and get the player before the season. People who suffer injuries are now 100% out because they cant pick up a player to replace them with. Someone gets a bad draw on the road, and cant add a player to overcome that. I mean, basically the sob list is endlist with a proposed change to stop when you can add players. Maybe you could put a limit on it, but it would need to be very late, like, the final 8 or so. Still would be pretty terrible to make it to the finals, only to have a guy injured, have 4m in the bank you could replace him with, but not be allowed to do it.
Your second point is ok, I guess, though Im not sure that the 'best' players being too expensive can really qualify as an anomaly, though I guess that would be good ole semantics again.