if a team starts today, and does really well pulling in say 500k in profit a season, (I have no idea if that's realistic for lower division teams, but that's what I made minus the cup bonuses), getting to the 20m number you proposed is doing to take a long long time. And that's just getting to where top teams are today, remember they will still be progressing during that time. the amount it will take to catch up only gets more daunting.
so what about the flying munchkins?
The aim of BBs is to make BB a complete management game
...so you want to punish teams who make good choicesoh yes, great idea