If a solution could be fabricated that allows top division managers to train young players and not dedicate years to saving income I think that would be the best outcome for the game.
Speaking as someone who's style of play here is training players (preferably players from my country) from 18/19 instead of buying already finished players, while still trying to be competitive in a large country, I will say it is incredibly hard to be competitive in the top division (NBBA in my case) while still training players. Your paying for trainers and facilities while also spending upwards of $900k to $1M a week in salary just to avoid finishing 8th. Forget about turning a profit. And to top it off, those players you're training will very likely be dwarfed skill-wise by the players other managers are buying off the TL.
Further, the introduction of auto-bid has actively harmed players who want to train and remain competitive and promote up the pyramid at the same time by jacking the costs of high level trainers through the roof. Those higher costs are no big deal to someone who is only focusing on 2-3 players, ignoring the rest and not caring about league results. But if you're trying to maintain a competitive roster and promote, it is very difficult to justify spending $1M on a Level 7 trainer for example.
I've been here since halfway through S.28 (44.5 seasons), spent 8 seasons in the NBBA and I've never had a bankroll of more than $6M, and even that was for less than a few days before it was spent on stadium/arena expenses. I wish I had even $10M
My point is, that all of the discussions about hording and large bankrolls are missing the bigger, more structurally deficient issue. The game itself is poorly designed and does not support multiple successful ways of playing the game across a landscape that is not equal in terms of incomes and jeopardy from relegation.